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Association Health Plans for Small Groups and Self-Employed Individuals under the Better Care Reconciliation Act

A provision in the Senate Better Care Reconciliation Act (BCRA), a bill to repeal and replace the Affordable Care Act (ACA), would establish association health plan options for small employers and self-employed individuals. For these plans, the requirement that premiums cannot vary based on health status would not apply. This brief describes how association health plans could affect premiums in the small group and non-group markets.

The ACA Stability “Crisis” In Perspective

In this column for Axios, Drew Altman presents new data analysis showing how many people are impacted by premium increases in the non-group market, and discusses the implications. 

Web Briefing for Journalists: Marketplace Open Enrollment in the Trump Era

With the Trump administration’s announcements last week, the landscape around Affordable Care Act marketplaces and the open enrollment period beginning Nov. 1 continues to shift. Though the 2010 health law remains intact for now, consumers will see fundamental differences this year when it comes to signing up for 2018 marketplace…

How the Loss of Cost-Sharing Subsidy Payments is Affecting 2018 Premiums

This analysis of 32 states and Washington, D.C., tracks data on 2018 Affordable Care Act (ACA) marketplace premium increases that insurers directly attributed to the end of cost-sharing reduction payments, which reimburse insurers for providing marketplace health plans with reduced out-of-pocket costs for lower-income people. Following months of uncertainty, the Trump administration announced on Oct. 12 that the payments would be discontinued immediately, although insurers must still offer the subsidized coverage.

2018 Renewal Notices – What Marketplace Consumers Need to Know

As Open Enrollment for 2018 coverage gets underway, consumers who have health coverage through the Affordable Care Act (ACA) Marketplace are again receiving renewal notices from their health insurers. Though the insurer renewal notices this year are based on the same model notice required in the past, this year for many consumers, it may be causing significant – and misleading – sticker shock. That is because renewal notices sent by insurers are required to inform consumers what their 2018 monthly premium will be, assuming they receive the same amount of advanced premium tax credit (APTC) next year that they did in 2017. Insurer renewal notices have been required to present information this way since 2014.

The Financial Burden of Health Care Spending: Larger for Medicare Households than for Non-Medicare Households

Medicare offers health and financial protection to nearly 60 million adults ages 65 and over and younger people with disabilities. However, the high cost of premiums, cost-sharing requirements, and gaps in the Medicare benefit package can result in beneficiaries devoting a substantial share of their total household spending to health care costs.This analysis compares health-related expenses as a share of total household spending for Medicare and non-Medicare households, using the 2016 Consumer Expenditure Survey. We estimate how much Medicare and non-Medicare households spent on health care, including premiums, compared to other household spending (e.g., housing, transportation, and food).

Medicare’s Income-Related Premiums Under Current Law and Changes for 2019

Most people with Medicare pay the standard monthly premium for Part B and Part D coverage, which is set to cover 25 percent of per capita program costs, but a relatively small share of beneficiaries with higher incomes are required to pay higher premiums. This issue brief describes the legislative history of Medicare’s income-related premiums and changes to these premiums that will take effect in 2019, based on a provision in the Bipartisan Budget Act of 2018.

Employer Health Benefits Annual Survey Archives

The Kaiser Family Foundation and the Health Research and Educational Trust have conducted this annual survey since 1999. The archives of the Employer Health Benefits Survey include these surveys and a small business supplement of the 1998 survey conducted by the Foundation. The survey was previously conducted by KPMG from…