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Explaining Health Care Reform: Medical Loss Ratio (MLR)

This fact sheet explains the Medical Loss Ratio requirement under the Affordable Care Act (ACA). The MLR provision limits the portion of premium dollars health insurers may spend on administration, marketing, and profits. Under health care reform, health insurers must publicly report the portion of premium dollars spent on health care and quality improvement and other activities in each state they operate. Insurers failing to meet the applicable standard must pay rebates to consumers and businesses.

Kaiser Health Tracking Poll: Election 2008 – June 2008

The latest Kaiser Health Tracking Poll: Election 2008 poll finds that the recent economic downturn continues to create serious financial problems for most Americans. When asked about the impact of recent economic changes, nearly six in 10 adults (59 percent) report having a “serious problem” with one of seven major…

Visualizing Health Policy: Health Care in the 2012 Election

The October 2012 Visualizing Health Policy infographic provides a snapshot of how health care–related issues are shaping the 2012 presidential election, including the percentage of Democrats, Republicans, and independents who named health care or the economy as the issue that is most important in determining their vote for President; which…

The Requirement to Buy Coverage Under the Affordable Care Act

Along with changes to the health insurance system that guarantee access to coverage to everyone regardless of pre-existing health conditions, the Affordable Care Act includes a requirement that many people be insured or pay a penalty. This simple flowchart illustrates how that requirement (sometimes known as an “individual mandate”) works.…

ACA 101: What You Need to Know

Useful review for anyone seeking to comprehend complex issues leading up to major implementations taking effect in 2014

Employer Responsibility Under the Affordable Care Act

The Affordable Care Act does not require businesses to provide health benefits to their workers, but applicable large employers may face penalties if they don’t make affordable coverage available. The Employer Shared Responsibility Provision of the Affordable Care Act penalizes employers who either do not offer coverage or do not offer coverage which meets minimum value and affordability standards. In 2016, these penalties will apply to firms with 50 or more full-time equivalent employees. This flowchart illustrates how those employer responsibilities work.

Inside Deficit Reduction: What it Means for Health Care

After much heated debate on the U.S. debt limit, the Budget Control Act of 2011 was passed on August 2, 2011, containing more than $900 billion in federal spending reductions over 10 years. The law also established the 12-person “super committee” charged with finding more than $1 trillion in additional…

A Tale of Two Siblings, the ACA, and the Supreme Court

In a column published on The Huffington Post, Kaiser Family Foundation President and CEO Drew Altman shows how the U.S. Supreme Court’s decision to make the ACA Medicaid expansion a state option has upended the health insurance system for low and moderate income people in many states and discusses how the states and federal government can address the problem.

State Fiscal Conditions and Medicaid: 2014 Update

This issue brief provides an overview of Medicaid financing, Medicaid’s role in state budgets, the relationship between Medicaid and the economy and how the ACA and the Medicaid expansion could affect state budgets.

The Henry J. Kaiser Family Foundation Headquarters: 2400 Sand Hill Road, Menlo Park, CA 94025 | Phone 650-854-9400
Washington Offices and Barbara Jordan Conference Center: 1330 G Street, NW, Washington, DC 20005 | Phone 202-347-5270

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Filling the need for trusted information on national health issues, the Kaiser Family Foundation is a nonprofit organization based in Menlo Park, California.