Insurance Exchanges

Implementation of the health insurance marketplaces has been an ongoing challenge across the country in the initial months of open enrollment. While state marketplaces are still evolving, and some are experiencing their own implementation challenges, they are largely working. This brief, prepared by the team at Manatt Health Solutions, looks at five state marketplaces to assess early lessons that might help to explain early enrollment trends. Based on interviews with state leadership and review of publicly available documents, the report explores the early implementation experience in Kentucky, New York, Minnesota, Rhode Island, and Washington.

The ACA will make health insurance more accessible to millions of Americans. However, it is estimated that as many as one in four uninsured individuals eligible for Advance Premium Tax Credits (APTCs) do not have a checking account, presenting a basic signup challenge as timely payment must be made to both initiate and maintain coverage on a monthly basis. This brief, prepared by Wakely Consulting Group, offers some insights on this sizable population and explores various solutions that Marketplaces and issuers might consider in early 2014 to address the payment challenges presented by unbanked and underbanked individuals.

Prepared by Georgetown University's Center on Health Insurance Reforms, this guide is intended to supplement the Navigator training available from HHS and help answer questions people may have about the private insurance reforms in the Affordable Care Act. This comprehensive resource addresses more than 230 enrollment questions about everything from tax credits and cost standards to enrollment periods, and more.

In partnership with the Robert Wood Johnson Foundation, Breakaway Policy Strategies is undertaking a review of the plans being offered in all 50 state marketplaces, plus the District of Columbia, that goes well beyond an examination of premiums. This first report provides a snapshot of premiums, deductibles, copayments and coinsurances amounts for primary care physician and specialist visits for silver-level plans in 96 rating areas across 15 state marketplaces.

Young adults are the age group most likely to be without health insurance. But through the Health Insurance Marketplace, young adults can purchase quality, affordable coverage and get lower costs on monthly premiums through tax credits. This report examines data from the 34 Federally-Facilitated and State Partnership Marketplaces and finds that out of 2.9 million single young adults ages 18 to 34 who may be eligible for coverage in the Marketplace, 1.3 million (46 percent) could purchase a bronze plan for $50 per month or less after tax credits. In the 34 states, a total of 1.9 million young adults, representing nearly 7 in 10 (66 percent) of the potentially Marketplace-eligible uninsured ages 18 to 34, may be able to pay $100 or less for coverage in 2014.