Insurance Market Reform
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- 04/24/2013
Beginning in 2014, the Affordable Care Act (ACA) will extend health coverage to millions of Americans. This will be done, in part, by offering tax credits to low- and middle-income Americans, which will help to offset a portion of the cost of health insurance premiums and allow many previously uninsured individuals and families to purchase private coverage. This report takes a closer look at these premium tax credits and estimate how many people across the country could benefit from them.
- 04/24/2013Most nonelderly Americans who have health insurance are covered through an employer, and employersponsored insurance (ESI) will continue to be a major source of coverage even after 2014, when the Affordable Care Act’s (ACA’s) Medicaid expansion and subsidies for the purchase of private coverage through health insurance exchanges will take effect. This report examines recent trends in ESI at the national and state level, and it expands and updates our previous analysis.
- 04/24/2013
With several of the Affordable Care Act’s (ACA) major provisions going into effect in January 2014, including single risk pool rating, guaranteed issue, actuarial value metal tiers, and essential health benefits, there has been concern about the impact of these market reforms on health insurance rates and their distribution. To help state regulators tackle these issues, the National Association of Insurance Commissioners (NAIC) released this paper at its Spring 2013 National Meeting detailing the options that states have to help minimize rate increases.
- 04/08/2013The Affordable Care Act’s medical loss ratio (MLR) regulation requires insurers to spend 80 percent or 85 percent of premiums on medical claims and quality improvements. In 2011, insurers falling below this minimum paid more than $1 billion in rebates. This brief examines how insurers spend their premium dollars—particularly their investment in quality improvement activities—focusing on differences among insurers based on corporate traits.
- 03/28/2013
The Affordable Care Act (ACA) requires insurers to cover a minimum set of medical benefits, known as “essential health benefits,” and states must select a “benchmark plan” to serve as a reference point. This issue brief examines states' progress in selecting a benchmark plan and the approaches they’ve adopted in making their selection.
