Federal law market rules for private health insurance sold to individuals and groups
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Who Will be the H&R Block and TurboTax for Health Insurance?
PerspectiveThere's been quite a bit of focus lately insofar as these issues go, anyway on health insurance agents and brokers (sometimes known in the industry as "producers").
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Health Insurance Market Reforms: Portability
Fact SheetMost Americans have access to health insurance through an employer-sponsored health plan, a fact that has made changing or losing a job a complex issue for the purposes of maintaining health insurance.
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Health Insurance Market Reforms: Rate Restrictions
Fact SheetRate restrictions limit how much insurance companies can vary premiums charged to individuals and businesses based on factors such as health status, age, tobacco use and gender. Currently, federal law does not place any limits on the ways that insurance companies set their premium rates.
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Association Health Plans for Small Groups and Self-Employed Individuals under the Better Care Reconciliation Act
Issue BriefA 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.
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JAMA Forum: ACA Implementation Starts to Get Real
PerspectiveLarry Levitt's latest post on ACA implementation is now available on the JAMA Forum.
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Analysis Suggests Health Insurers Remained Profitable Across Markets Amid Pandemic in 2020
News ReleaseA new analysis of health insurers’ financial data suggests that they remained profitable across markets in 2020 due in part to an unprecedented decrease in health spending and utilization in the spring as the COVID-19 pandemic led to massive shutdowns.
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Health Insurer Financial Performance Through September 2020
Issue BriefIn this brief, we analyze third quarter data from 2018 to 2020 to examine how insurance markets performed financially through the end of September. Average margins remained relatively high compared to the same point in recent years, suggesting many insurers remained profitable even as non-COVID-related care returned in the summer and fall.
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Remember the People Outside of the Exchanges
PerspectiveThere has been a substantial amount of focus on the recently released draft regulations governing state-based health insurance exchanges under the Affordable Care Act (ACA). And that's appropriate, since the exchanges have the important roles under reform of providing consumers with easier access to insurance and facilitating tax credits and cost-sharing subsidies that make coverage more affordable.
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Explaining Health Reform: How will the Affordable Care Act affect Small Businesses and their Employees?
Fact SheetSeveral provisions of the Affordable Care Act (ACA) will likely have significant effects on small businesses, their employees, and families.