How Repeal of the Individual Mandate and Expansion of Loosely Regulated Plans are Affecting 2019 Premiums

Issue Brief
  1. The CBO expects this amount to increase to 20% by 2021. We conservatively assume the 2019 impact remains at 10%.

    ← Return to text

  2. How these premium increases (due to CSR payments halting, individual mandate penalty dropping to zero, and short-term plans expanding) interact with each other on each insurers’ calculations. We conservatively assume they are additive (i.e., 6% plus 10%, resulting in 16%) rather than multiplicative (i.e., 6% increase on top of a 10% increase, which would be 16.6% overall).

    ← Return to text

  3. Note that this dollar figure is an approximation as we are applying a simple average (16%) load to weighted average healthcare.gov premiums, and this load is based on information that is publicly available information in all states.

    ← Return to text

KFF Headquarters: 185 Berry St., Suite 2000, San Francisco, CA 94107 | Phone 650-854-9400
Washington Offices and Barbara Jordan Conference Center: 1330 G Street, NW, Washington, DC 20005 | Phone 202-347-5270

www.kff.org | Email Alerts: kff.org/email | facebook.com/KFF | twitter.com/kff

The independent source for health policy research, polling, and news, KFF is a nonprofit organization based in San Francisco, California.