What is a defining feature of a DSNP regarding monthly premiums?

A defining feature of a Dual Eligible Special Needs Plan (DSNP) is that the premium is at or below the Low Income Subsidy (LIS) benchmark. This benchmark is established to ensure that low-income individuals, particularly those who are dually eligible for Medicare and Medicaid, have access to affordable healthcare coverage. DSNPs are specifically designed for this population, and by keeping premiums at or below the LIS benchmark, these plans aim to minimize the out-of-pocket costs for enrollees, making healthcare more accessible.

This characteristic underscores the importance of affordability in the DSNP structure and reflects the commitment to supporting individuals who may have limited income and resources. By adhering to this benchmark, DSNPs help alleviate financial burdens, allowing beneficiaries to receive necessary medical care without excessive costs.