The federal government has proposed changes that threaten insurance protections for people with mental illness.
On June 13, NAMI released a new report, Mental Health Parity at Risk, that looks at mental health and substance use coverage before the Affordable Care Act (ACA) and shows just how dangerous it could be to remove these protections for people with mental health and substance use conditions.
Weakening health insurance protections could take us back to a time when:
- People were denied health insurance, charged more or turned down for renewal just because they had a mental health or substance use condition;
- People had yearly or lifetime limits on mental health and substance use care; and
- Over half of states had no requirement that individual market plans cover or even offer mental health services.
Before the ACA, people with mental illness often faced a 20-50% increase in premiums. And when they could get insurance, they often faced limits on outpatient visits, yearly or lifetime caps on coverage and limited access to mental health medications.
We cannot go back to a time when it was legal to discriminate against people with mental health and substance use conditions.
Tell us your story. Help power NAMI’s advocacy by sharing how your insurance coverage helps you—or tell us about challenges you’ve experienced that have hurt your ability to get mental health care.