ACA Title I, Section 1001 Amendments to the Public Health Service Act: Nine mostly “Good” coverage improvements for the consumer with one “Bad” element. This section contains nine amendments to the PHS Act that all benefit the consumer, however these changes to insured individual and group plans also eliminate most of the cost control devices that insurers have traditionally used to minimize the “moral hazard” of health insurance, thus plan costs will necessarily increase for all insurers due to these changes.

Sec. 2711. No lifetime or annual limits. (“Good” but increases plan cost and re-insurance costs)
Sec. 2712. Prohibition on rescissions. (“Good” if rescissions for non-payment of premium are allowed)
Sec. 2713. Coverage of preventive health services. (“Good” if connected to incentives to actually get preventive care)
Sec. 2714. Extension of dependent coverage. (“Good” – extends coverage to more of the currently uninsured)
Sec. 2715. Development and utilization of uniform explanation of coverage documents and standardized definitions. (“Good”- supports price competition among plans)
Sec. 2716. Prohibition of discrimination based on salary. (“Good” – brings more equal treatment across the work force)
Sec. 2717. Ensuring the quality of care. (“Good” – requires reporting on quality metrics)
Sec. 2718. Bringing down the cost of health care coverage. (Some “Bad” because it removes the ability for insurers to cross subsidize needy groups and it will likely limit the financial stability of insurers and their ability to maintain adequate reserves.)
Sec. 2719. Appeals process. (“Good” if it is not made to be too onerous)

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