Jay Angoff, who served as the first director of Affordable Care Act implementation at HHS and as Missouri Insurance Commissioner, is a partner at Mehri & Skalet. He heads the firm’s insurance practice. Among the cases in which he has obtained refunds for consumers overcharged by insurers are Harris v. Farmers Insurance Exchange (LA County, Cal., $15 million settlement), Landers v. Interinsurance Exchange of the Automobile Club (LA County, Cal., $24 million settlement), Clutts v. Allstate (Madison County, Ill., $6 million settlement), and Foundation for Taxpayer and Consumer Rights v. GEICO (LA County, Cal., settlement valued at up to $12 million). He currently represents consumers challenging the practice of price optimization—charging policyholders based on their willingness to tolerate a price increase, rather than on the risk they present—by major auto insurers. He also represents businesses forced to shut down due to the coronavirus pandemic who are seeking compensation for lost income under their property insurance policies.
Mr. Angoff has also represented and advised state insurance departments in connection with proposed mergers and restructurings, including the Maryland, Pennsylvania, Montana, and Missouri Departments. He also represents and advises both for-profit and non-profit organizations on ACA- and other insurance-related matters. In one such matter, on behalf of the St. Louis Effort for AIDS, he successfully challenged a Missouri statute which limited the ability of ACA-authorized consumer assistance organizations to help consumers obtain health insurance.
At HHS Mr. Angoff’s responsibilities included developing the new regulations governing the individual and small group markets, including the Patient’s Bill of Rights, Medical Loss Ratio rule and Rate Review rule; implementing the Rate Review, Consumer Assistance and Exchange grant programs; and establishing the Early Retiree Reinsurance Program and Preexisting Condition Insurance Plan. Mr. Angoff also served at HHS as the Senior Advisor to the Secretary and as the HHS Regional Director for Region VII, headquartered in Kansas City.
Between 1993 and 1998 Mr. Angoff served as Director of the Missouri Department of Insurance. There he became one of the first Insurance Commissioners to order a traditionally non-profit Blue Cross plan to establish a healthcare foundation with the full value of its assets. He also helped implement an Exchange for state workers, which reduced their health insurance rates by up to 45%. And he established a competitive bidding process for workers compensation insurers that reduced workers comp rates by 24%. He also oversaw and accelerated the run-off of the Transit Casualty and Mission insolvencies, two of the largest and longest-running insurer insolvencies in the nation.
Prior to his service in Missouri, Mr. Angoff served as Deputy Insurance Commissioner of New Jersey and Special Assistant to the Governor for Health Insurance Policy. In those positions he helped draft and implement New Jersey’s individual and small group reform laws.
Mr. Angoff began his career as an antitrust lawyer with the Federal Trade Commission. He also served as a staff attorney for Congress Watch, a public interest lobbying organization, as counsel to the National Insurance Consumer Organization, and as Vice-President for Strategic Planning for Quotesmith.com (now insure.com), an internet quotation service and insurance broker. He has written for The New York Times, The Washington Post, and The Wall Street Journal, among other publications, and has appeared on MSNBC and FOX News. He is the recipient of the James R. Kimmey Lifetime Achievement Award and the Rory Ellinger Award for Public Interest Litigation.
Mr. Angoff is a member of the District of Columbia, Missouri, New Jersey, and U.S. Supreme Court bars, and is a graduate of Oberlin College and Vanderbilt Law School.