Insurance Market Reform

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.

This new fact sheet provides an overview of how pre-existing condition exclusions are regulated under current law, and how the ACA will change those regulations in 2014.

The United States Department of Health and Human Services released a 2012 Annual Rate Review report highlighting that the ACA rate review and Medical Loss Ratio (MLR) provisions have saved an estimated $1 billion for consumers.

This brief examines the conditions under which competition in health insurance exchanges is likely to be effective in placing downward pressure on insurance premiums.

This paper describes the status of rate review programs in the 10 states participating in the Robert Wood Johnson Foundation’s monitoring and tracking project: Alabama, Colorado, Maryland, Michigan, Minnesota, New Mexico, New York, Oregon, Rhode Island and Virginia.