Insurance Market Reform

The National Conference of State Legislatures (NCSL) Health Program compiled a report that presents state-level data on state and employee share of premiums for two common types of health insurance coverage (one low-cost plan and one comprehensive plan), to reflect the current diverse insurance market.

This report presents data on 2010 administrative costs for all health plans that reported  health premiums for Minnesota residents.

This ConsumersUnion brief discusses how actuarial value will be employed under the health reform law, the definitional and measurement issues associated with its use, and how to craft a measure that is usable by consumers.

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.