Health Insurance Market Reforms: Portability
Most 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.
View the Latest: Small Group Coverage
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Quick Take: Essential Health Benefits: What Have States Decided for Their Benchmark?
Fact SheetBeginning on January 1, 2014, the Affordable Care Act (ACA) requires that all non-grandfathered individual and small group health insurance plans sold in a state, including those offered through an Exchange, cover certain essential health benefits (EHBs).
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Health Insurance Market Reforms: Pre-Existing Condition Exclusions
Fact SheetInsurers pursue multiple strategies to reduce the cost of covering enrollees with pre-existing conditions, or medical conditions and health problems that existed before the individual enrolled in a health plan.
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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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Health Insurance Market Reforms: Guaranteed Issue
Fact SheetGuaranteed issue laws require insurance companies to issue a health plan to any applicant - an individual or a group - regardless of the applicant's health status or other factors. Currently, in most states, insurance companies can deny nongroup coverage to people based on their health status or their medical expenses over the past year.
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Survey of Health Insurance Agents: Assessing Trends in the Individual and Small Group Insurance Markets
Poll FindingThis nationally representative survey of 500 health insurance agents and brokers working in the individual and small group markets explores their outlook on market trends and views on the Affordable Care Act (ACA). The survey finds that many agents are seeing steep increases in premiums and deductibles for individuals and small businesses purchasing health insurance.
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Kaiser Analysis: Estimated Health Insurance Rebates Under the Health Reform Law Total $1.3 Billion in 2012
News ReleaseNEWS RELEASEApril 26, 2012 Rebates Expected to Vary Significantly by State MENLO PARK, Calif. – Consumers and businesses are expected to receive an estimated $1.
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Explaining Health Care Reform: Medical Loss Ratio (MLR)
Fact SheetThis 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.
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Essential Health Benefits: Balancing Affordability and Adequacy
Event Date:EventUnder the Patient Protection and Affordable Care Act (PPACA), insurance plans offered through state insurance exchanges as well as non-grandfathered plans offered in the individual and small group markets - will be required to cover a set of health benefits and services called the "essential health benefits" package.
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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.