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Based on state and federal law, issuers must provide coverage for non-OTC COVID-19 testing performed for individualized diagnosis or treatment of COVID-19. Issuers must provide coverage for such testing without imposing any cost-sharing requirements (including deductibles, copayments, and coinsurance), prior authorization, or other medical management. Issuers must also provide coverage for OTC COVID-19 tests consistent with the guidance discussed above. While issuers are not required to provide coverage of testing (including OTC COVID-19 tests) for public health surveillance or employment purposes, issuers may provide coverage for such tests. Issuers should be clear in communications to insureds about the circumstances in which testing is covered.




quite imposing plus 4 19



The Affordable Care Act requires health insurance issuers to submit data on the proportion of premium revenues spent on clinical services and quality improvement, also known as the Medical Loss Ratio (MLR). It also requires them to issue rebates to enrollees if this percentage does not meet minimum standards. The Affordable Care Act requires insurance companies to spend at least 80% or 85% of premium dollars on medical care, with the rate review provisions imposing tighter limits on health insurance rate increases. If an issuer fails to meet the applicable MLR standard in any given year, as of 2012, the issuer is required to provide a rebate to its customers.


The 33 laws enacted so far in 2021 have various impacts, including but not limited to making mail voting and early voting more difficult, imposing harsher voter ID requirements, and making faulty voter purges more likely. footnote2_25k6e7t 2 AL H.B. 285, AL H.B. 538, AR H.B. 1112, AR H.B. 1244, AR H.B. 1715, AR S.B. 643, AZ S.B. 1003, AZ S.B. 1485, AZ S.B. 1819, FL S.B. 90, GA S.B. 202, IA S.F. 413, IA S.F. 568, ID H.B. 290, IN S.B. 398, KS H.B. 2183, KS H.B. 2332, KY H.B. 574, LA H.B. 167, MT H.B. 176, MT H.B. 530, MT S.B. 169, MT S.B. 196, NH H.B. 523, NH S.B. 31, NV S.B. 84, NY S.B. 264, OK H.B. 2663, TX H.B. 3920, TX S.B. 1111, TX S.B. 1, UT H.B. 12, WY H.B. 75. Provisions are categorized as restrictive if they would make it harder for Americans to register, stay on the rolls, and/or vote, as compared to existing state law.


Under Title VII, an employer should thoroughly consider all possible reasonable accommodations, including telework and reassignment. For suggestions about types of reasonable accommodations for unvaccinated employees, see K.2, K.6, and K.12, above. In many circumstances, it may be possible to accommodate those seeking reasonable accommodations for their religious beliefs, practices, or observances without imposing an undue hardship.


We also find a number of highly effective NPIs that can be considered less costly. For instance, we find that risk-communication strategies feature prominently amongst consensus NPIs. This includes government actions intended to educate and actively communicate with the public. The effective messages include encouraging people to stay at home, promoting social distancing and workplace safety measures, encouraging the self-initiated isolation of people with symptoms, travel warnings and information campaigns (mostly via social media). All these measures are non-binding government advice, contrasting with the mandatory border restriction and social distancing measures that are often enforced by police or army interventions and sanctions. Surprisingly, communicating on the importance of social distancing has been only marginally less effective than imposing distancing measures by law. The publication of guidelines and work safety protocols to managers and healthcare professionals was also associated with a reduction in Rt, suggesting that communication efforts also need to be tailored toward key stakeholders. Communication strategies aim at empowering communities with correct information about COVID-19. Such measures can be of crucial importance in targeting specific demographic strata found to play a dominant role in driving the spread of COVID-19 (for example, communication strategies to target individuals aged


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