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The Affordable Care Act And Health Insurance Markets


The Affordable Care Act And Health Insurance Markets
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The Affordable Care Act And Health Insurance Markets


The Affordable Care Act And Health Insurance Markets
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Author : Christine Eibner
language : en
Publisher: Rand Corporation
Release Date : 2013-08-29

The Affordable Care Act And Health Insurance Markets written by Christine Eibner and has been published by Rand Corporation this book supported file pdf, txt, epub, kindle and other format this book has been release on 2013-08-29 with Business & Economics categories.


In this report, the authors estimate the effects of the Affordable Care Act on health insurance enrollment and premiums for ten states (Florida, Kansas, Louisiana, Minnesota, New Mexico, North Dakota, Ohio, Pennsylvania, South Carolina, and Texas) and for the nation overall, with a focus on outcomes in the nongroup and small group markets.



Private Health Insurance Market Reforms In The Patient Protection And Affordable Care Act Aca


Private Health Insurance Market Reforms In The Patient Protection And Affordable Care Act Aca
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Author : Annie L. Mach
language : en
Publisher: Createspace Independent Pub
Release Date : 2012-07-28

Private Health Insurance Market Reforms In The Patient Protection And Affordable Care Act Aca written by Annie L. Mach and has been published by Createspace Independent Pub this book supported file pdf, txt, epub, kindle and other format this book has been release on 2012-07-28 with Medical categories.


The private health insurance provisions in the Patient Protection and Affordable Care Act (P.L. 111-148, ACA, as amended) include market reforms that impose requirements on private health insurance plans. Such reforms relate to the offer, issuance, generosity, and pricing of health plans, among other requirements. ACA's market reforms largely focus on the individual and small group health insurance markets, and in this report the reforms have been grouped by effective dates: “immediate” market reforms that become effective prior to the full implementation date of ACA, and reforms that become effective on the full implementation date (January 1, 2014). ACA requires implementation of a number of reforms prior to its full implementation date (i.e., prior to plan years beginning on or after January 1, 2014). “Immediate” reforms include a process to review unreasonable rate increases; an Internet portal to assist consumers in identifying coverage options; prohibition on lifetime limits and restriction of annual limits; the prohibition on rescissions; coverage of preventive health services with no cost-sharing; extension of dependent coverage; prohibition of discrimination based on salary; standards related to medical loss ratios and rebates to plan participants; appeals process; coverage of preexisting health conditions for children; patient protections; uniform explanation of coverage documents; and reporting requirements regarding quality of care. Market reforms effective beginning in 2014 include nondiscrimination based on health status; guaranteed issue and guaranteed renewability; coverage of preexisting health conditions (regardless of age); nondiscrimination regarding clinical trial participation; rating restrictions; waiting period limitation; and nondiscrimination regarding health care providers. This report provides background information about the private health insurance market, including market segments and regulation. It describes each ACA market reform and notes any major implementation activity that has occurred (e.g., issuance of final rule from a department such as Health and Human Services). The appendices of the report provide additional information about the status of regulations relating to each reform and how the reforms apply to the different market segments and health plans.



The Affordable Care Act And Health Insurance Markets


The Affordable Care Act And Health Insurance Markets
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Author : Christine Eibner
language : en
Publisher:
Release Date : 2013

The Affordable Care Act And Health Insurance Markets written by Christine Eibner and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2013 with Health care reform categories.


The Affordable Care Act changes the rating regulations governing the nongroup and small group markets while simultaneously encouraging enrollment through a combination of subsidies, tax credits, and tax penalties. Policymakers and other stakeholders are interested in understanding how these changes might affect health insurance enrollment, premiums, and other coutcomes to inform exchange implementation and planning. In this report, we estimate the effects of the Affordable Care Act on health insurance enrollment and premiums in ten states (Florida, Kansas, Louisiana, Minnesota, New Mexico, North Dakota, Ohio, Pennsylvania, South Carolina, and Texas) and the nation overall, with a focus on outcomes in the nongroup and small group markets.



Going Into The Affordable Care Act


Going Into The Affordable Care Act
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Author : Pinar Karaca-Mandic
language : en
Publisher:
Release Date : 2013

Going Into The Affordable Care Act written by Pinar Karaca-Mandic and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2013 with categories.


The Affordable Care Act (ACA) will dramatically alter health insurance markets and the sources through which individuals obtain coverage. As the ACA is implemented, it is essential to monitor the intended and the unintended consequences of these regulations. To evaluate the changes in health insurance markets linked to the ACA, it is critical to consistently measure the size and structure of health insurance markets, as well as the performance of participating health insurers, prior to and post-ACA. In this paper we discuss challenges of describing the size, structure, and performance of the individual and small group markets. Next, we discuss improvements in data availability starting in 2010 to address some of these concerns. Finally, using data from the National Association of Insurance Commissioners (NAIC), we evaluate insurance market structure and performance during 2010-2012, focusing on enrollment, the number of participating insurers, premiums, claims spending, MLR, and administrative expenses.



The Affordable Care Act


The Affordable Care Act
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Author : Tamara Thompson
language : en
Publisher: Greenhaven Publishing LLC
Release Date : 2014-12-02

The Affordable Care Act written by Tamara Thompson and has been published by Greenhaven Publishing LLC this book supported file pdf, txt, epub, kindle and other format this book has been release on 2014-12-02 with Young Adult Nonfiction categories.


The Patient Protection and Affordable Care Act (ACA) was designed to increase health insurance quality and affordability, lower the uninsured rate by expanding insurance coverage, and reduce the costs of healthcare overall. Along with sweeping change came sweeping criticisms and issues. This book explores the pros and cons of the Affordable Care Act, and explains who benefits from the ACA. Readers will learn how the economy is affected by the ACA, and the impact of the ACA rollout.



Health Care Utilization As A Proxy In Disability Determination


Health Care Utilization As A Proxy In Disability Determination
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Author : National Academies of Sciences, Engineering, and Medicine
language : en
Publisher: National Academies Press
Release Date : 2018-04-02

Health Care Utilization As A Proxy In Disability Determination written by National Academies of Sciences, Engineering, and Medicine and has been published by National Academies Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2018-04-02 with Medical categories.


The Social Security Administration (SSA) administers two programs that provide benefits based on disability: the Social Security Disability Insurance (SSDI) program and the Supplemental Security Income (SSI) program. This report analyzes health care utilizations as they relate to impairment severity and SSA's definition of disability. Health Care Utilization as a Proxy in Disability Determination identifies types of utilizations that might be good proxies for "listing-level" severity; that is, what represents an impairment, or combination of impairments, that are severe enough to prevent a person from doing any gainful activity, regardless of age, education, or work experience.



Going Into The Affordable Care Act


Going Into The Affordable Care Act
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Author : Pinar Karaca-Mandic
language : en
Publisher:
Release Date : 2013

Going Into The Affordable Care Act written by Pinar Karaca-Mandic and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2013 with Economics categories.


The Affordable Care Act (ACA) will dramatically alter health insurance markets and the sources through which individuals obtain coverage. As the ACA is implemented, it is essential to monitor the intended and the unintended consequences of these regulations. To evaluate the changes in health insurance markets linked to the ACA, it is critical to consistently measure the size and structure of health insurance markets, as well as the performance of participating health insurers, prior to and post-ACA. In this paper we discuss challenges of describing the size, structure, and performance of the individual and small group markets. Next, we discuss improvements in data availability starting in 2010 to address some of these concerns. Finally, using data from the National Association of Insurance Commissioners (NAIC), we evaluate insurance market structure and performance during 2010-2012, focusing on enrollment, the number of participating insurers, premiums, claims spending, MLR, and administrative expenses.



The Us Health Insurance Market After The Affordable Care Act


The Us Health Insurance Market After The Affordable Care Act
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Author : Pietro Tebaldi
language : en
Publisher:
Release Date : 2016

The Us Health Insurance Market After The Affordable Care Act written by Pietro Tebaldi and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2016 with categories.


The recent nation-wide health reform -- Patient Protection and Affordable Care Act, or simply ACA -- drastically altered the functioning of the health insurance industry in the US, opening many questions about how the system should be designed and regulated. While previous literature largely focused on health insurance provided through public programs or employer-sponsored insurance, in this dissertation I study the health coverage provision for outsiders: the twenty-one percent of the US population who as of 2013 were not offered insurance through their job, were not covered by the government, and yet did not purchase coverage in the so-called individual market. After the ACA, market institutions were largely redesigned with attention to this group, and policymakers are still dealing with great uncertainty about the efficacy of the new system and its costs for taxpayers in future years. In this context, my research advances our knowledge in two directions. On the one hand I provide empirical results of immediate policy relevance; on the other, I develop economic and statistical models to be used in this novel institutional environment. I consider three of the main channels through which, since 2014, the government affects the individual market for health insurance. First, state authorities determine how the geography of the state is divided in the local geographic markets in which insurers can participate and compete. Second, the ACA limits premium adjustments based on age or other observable characteristics of buyers. Third, the Federal government provides a large premium subsidy for all buyers whose income is between 133 and 400% of the Federal povery level. My dissertation contains three chapters, each of them analyzing the interaction of these three policies with the incentives of private health insurers.



Building A More Sustainable Health Insurance Market Under The Affordable Care Act


Building A More Sustainable Health Insurance Market Under The Affordable Care Act
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Author : Eric Lewis
language : en
Publisher:
Release Date : 2018

Building A More Sustainable Health Insurance Market Under The Affordable Care Act written by Eric Lewis and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2018 with categories.


The goals of the Affordable Care Act (ACA) are to expand access to health care, improve the quality of care, and lower health care spending growth in the United States. However, there have been several challenges introduced during its implementation that raise concerns over the long-term sustainability of the health insurance market under the new law. A potential improvement that has been debated over the past decade is the establishment of a government-run public option in the health insurance exchanges to compete with private insurers and offer additional health plans in areas where few insurers exist. This paper evaluates the potential impact of establishing a public option in the health insurance exchanges. I conduct a case study on Germanys health care system to assess the advantages and disadvantages of balancing both a public and private sector in the health insurance market. Then, based on the analysis of Germanys health care system, I provide suggestions on how to improve the design of the public option to address the challenges presented by the ACA.



Private Health Insurance Market Reforms In The Patient Protection And Affordable Care Act Aca


Private Health Insurance Market Reforms In The Patient Protection And Affordable Care Act Aca
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Author : Annie L. Mach
language : en
Publisher:
Release Date : 2016

Private Health Insurance Market Reforms In The Patient Protection And Affordable Care Act Aca written by Annie L. Mach and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2016 with categories.


This report provides background information about the private health insurance market, including market segments and regulation. It then describes each ACA market reform, grouped under the following categories: obtaining coverage, keeping coverage, cost of purchasing coverage, covered services, cost-sharing limits, consumer assistance and other health care protections, and plan requirements related to health care providers.