Insurance Market Reform

This brief analyzes the factors behind increased spending on private insurance, examining trends in premiums and cost-sharing in the group and non-group markets, how premium dollars are spent by insurers, which sectors are driving premiums upward, and the importance of price increases in explaining spending growth.

The ACA changes the small-group insurance market substantially beginning in 2014, but most changes do not apply to self-insured plans. This brief analyzes this exemption and the coverage decisions small-employers can make.

On November 30 the U.S. Office of Personnel Management (OPM) released its proposed rules for the Multi-State Plan Program (MSPP) of the Affordable Care Act (ACA). This brief prepared by Manatt Health Solutions provides an overview of the key provisions of the proposed rule.

This brief reports on the key provisions of HHS's Notice of Benefit and Payment Parameters for 2014. This proposed rule covers topics including the federal risk adjustment model, reinsurance parameters, cost-sharing reduction payment methodology, and user fees for insurers offering QHPs in federal exchanges.

The U.S. Department of Health and Human Services (HHS) proposed regulations on November 20 that would implement the Affordable Care Act’s (ACA) dramatic reforms of the way health insurance is priced and sold in the individual and small group markets. This report analyzes the proposed rules and highlights areas in which HHS is seeking public comment.