State-Based Health Exchange Testimony for House Insurance 9.5.24

It is increasingly difficult for small businesses in Texas to offer health insurance, while the individual market has seen significant improvements in affordability and coverage. Texas must carefully evaluate any proposals, such as a state-based exchange, that could disrupt this balance and undermine recent gains. To learn more about how we can navigate the rising costs of health care to support as many Texans as possible, click here.

Recommendations:

• Focus on small employer subsidies
• Increase transparency in mandate costs
• Build a mandate-lite coverage option
• Protect ERISA flexibility
• Give employers more flexibility and options
• Avoid disruptive proposals

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