Insurance Market Reform

This report examines the critical need for risk adjustment in programs serving persons dually eligible for both Medicare and Medicaid and describes federal and state experience implementing risk adjustment models.

This table is a one-stop resource that shows states' request for an adjustment to the MLR standard, a consumer protection provision under the ACA. The HHS Secretary may determine that a state meeting the 80% Medical Loss Ratio standard may destabilize the individual market. In order to qualify for this adjustment, a state must demonstrate that requiring insurers in its individual market to meet the 80% MLR has a likelihood of destabilizing the individual market and result in fewer choices for consumers.

This brief by Wakely Consulting Group presents states with a work plan that outlines the decisions and actions needed to implement the risk adjustment and reinsurance provisions of the Affordable Care Act.

This Commonwealth issue brief analyzes changes in private employer-based health premiums and deductibles for all states from 2003 to 2010, and highlights health reform's potential to reduce insurance cost growth and increase financial protections.

This report offers an analysis of information on enrollment trends, premiums, and medical costs provided by carriers to the Washington State Office of the Insurance Commissioner supplemented with additional carrier and association information reported to the National Association of Insurance Commissioners and the U.S. Department of Labor.