Download our Action Toolkit
Learn why Association Health Plans are no help for the uninsured and really mean higher premiums and less stable health coverage for small businesses and their workers (PDF).
Find out about the myths and facts on Association Health Plans (PDF).
Learn about the problems and issues surrounding Association Health Plans (PDF).
Read the February 2005 research findings presented by the American Diabetes Association, the Coalition Against Insurance Fraud, the National Partnership for Women & Families and the National Small Business Association, and others, that explain why Association Health Plans are a step backward for small employers and consumers.
Watch the video of the Evansville , Indiana , Channel 14 WFIE-TV news report on the dangers of Association Health Plans to diabetics.
Independent, Non-Partisan Studies and Reports
Read the U.S. General Accounting Office's February 2004 report - entitled Private Health Insurance: Employers and Individuals Are Vulnerable to Unauthorized or Bogus Entities Selling Coverage - that uncovers a wave of health insurance fraud and abuse that left over 200,000 individuals uninsured and saddled with over $252 million in unpaid medical claims. View a summary of the report. Download the full report (PDF).
Download The Commonwealth Fund's March 2004 study, MEWAs: The Threat of Plan Insolvency and Other Challenges, documenting states' experiences with Multiple Employer Welfare Arrangements. View The Commonwealth Fund's press release on the study.
Read the California HealthCare Foundation's issue brief and study on the adverse impacts that AHPs would have on California consumers. View a summary of these reports.
Read the Congressional Budget Office's July 2003 Cost Estimate report on H.R. 660, which estimates that federal Association Health Plan legislation would increase total spending on employer-sponsored health insurance, and, as a result, reduce federal tax revenues.
Download Mercer's 2003 study for National Small Business United, which concludes that federal AHP legislation, if passed, would increase the ranks of the uninsured in America and result in higher health insurance premiums.
Read The Commonwealth Fund's August 2003 issue brief on health insurance scams.
Examine a study by a former federal investigator that finds AHP exemptions would expose consumers to fraud and insolvency. Read summary of the study. Download the full report.
Read a Congressional Budget Office paper on the effects of AHPs and Health Marts. View a summary of the paper. Download the full paper (PDF).
Read the Urban Institute's 1999 paper on Association Health Plans, Health Marts, and High-Risk Pools.
Congressional Testimony
Read the testimony of various individuals and organizations appearing before the following Congressional committees:
Senate Finance Committee
Kathryn G. Allen and Robert J. Cramer, U.S. General Accounting Office
Mila Kofman, Georgetown University Health Policy Institute
Fred Nepple, National Association of Insurance Commissioners
Jose Montemayor, Commissioner of the Texas Department of Insurance
House Education and the Workforce Committee on Employer-Employee Relations
Alice Weiss, National Partnership for Women and Families
Senate Small Business and Entrepreneurship Committee
Len Nichols , Center for Studying Health System Change
Sandy Praeger , National Association of Insurance Commissioners
Judith Lichtman , National Partnership for Women and Families
Letters in Opposition to AHPs
Read Senator Don Nickles' (R-OK) "Dear Colleague" letter highlighting the National Association of Attorneys General's opposition to the current Association Health Plan legislation.
Read the concerns of the following organizations regarding Association Health Plans.
Read the letters sent to Congress by:
39 Consumer Advocacy, Labor, Physician and Healthcare Providers -- Including the American Academy of Pediatrics, AFL-CIO, American Federation of State, County and Municipal Employees, American Federation of Teachers, Families USA, National Partnership for Women and Families, Service Employees International Union and United Auto Workers
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