Insurance Market Reform

The Florida Health Care Insurance Advisory Board released this report showing a steady decline in enrollment in Florida's commercial health insurance markets from 2006 to 2010.  From 2009 to 2010, enrollment declined 4.3% to 3.7 million.

Pennyslvania's Senate Bill 1336 gives the Insurance Department greater authority to review and disapprove small group market rate increases.

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.

Comments from California State agencies on the proposed rule for Reinsurance, Risk Corridors, and Risk Adjustment.

The U.S. Department of Health and Human Services approved Georgia’s request for an adjustment to its Medical Loss
Ratio (MLR).

Michigan's request for an adjustment of the Medical Loss Ratio (MLR) standard

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.

Wakely Consulting's presentation that provides guidance on reinsurance, risk adjustment and risk corridors.

This Urban Institute report asserts that the assumption that employers will choose to pay the penalty for not providing health benefits under the ACA, ignores the fact that employers have offered health benefits to employees for years without being threatened with a penalty if they failed to do so.