Private Insurance
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Individual Insurance Market Performance in Early 2018
Results from early 2018 suggest that despite significant challenges, the individual market remains stable and insurers are generally profitable. Insurer financial results from 2018 – after the Administration’s decision to cease cost-sharing subsidy payments, but before the repeal of the individual mandate penalty in the tax overhaul goes into effect – showed no sign of a market collapse.
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Short-Term Limited Duration Plans and HIV
Given the Trump Administration’s promotion of short-term limited-duration (STLD) health insurance policies, this brief examines what they mean for people with HIV. The analysis assesses whether people with HIV could enroll in STLD plans by applying to 38 plans across five states and getting in each case. It also assesses whether such plans could meet basic HIV care and treatment needs for someone diagnosed once enrolled. This finding takes on new importance in light of the Administration’s decision not to defend the ACA and to argue for eliminating pre-existing condition protections.
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Trump gives Democrats a big health care opening for the midterms
In an Axios column, Drew Altman analyzes the narrowing gap between growth in health spending and GDP and discusses why it matters. The big question, he says, is will the narrowing have staying power?
Perspective Read MoreNew KFF Resource Tracks Proposed 2019 Marketplace Premiums By State
The Kaiser Family Foundation today launched a tracker to monitor preliminary 2019 premiums in the Affordable Care Act’s marketplaces as insurers file rate information with state regulators. Beginning with data from eight states (Maine, Maryland, New York, Oregon, Rhode Island, Vermont, Virginia and Washington) plus the District of Columbia, the tracker shows…
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Tracking 2019 Premium Changes on ACA Exchanges
This tracker monitors preliminary 2019 premiums in the Affordable Care Act’s marketplaces as insurers file rate information with state regulators. It shows preliminary premium information in a major city in each available state for the lowest-cost bronze plan and “benchmark” silver plan, which is used to determine the size of the premium tax credits available to low- and moderate-income enrollees. The tracker also shows how those premiums are changing from 2018 and what a 40-year-old enrollee making $30,000 annually would pay before and after available tax credits.
Issue Brief Read MoreWhy Some Employers are Turning to Progressive Health Benefits
In this Axios column, Drew Altman examines the status of progressive health benefits (health benefits linked to wage levels) and their pros and cons at a time when employee health costs are rising and wages are flat.
Perspective Read MoreAnalysis: Individual Market Insurers Experienced Their Best Financial Year under the ACA in 2017, Though Subsequent Political and Policy Changes Complicate the Outlook for Future Years
Insurers in 2017 had their best financial year selling individual market health insurance since the Affordable Care Act began requiring guaranteed access to coverage for people with pre-existing conditions in 2014, though recent political and policy changes create new challenges for insurers trying to succeed in this market, new Kaiser…
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Individual Insurance Market Performance in 2017
This brief examines recently-released annual financial data from 2017 and finds insurers selling individual market plans had their best financially since 2014, when new ACA insurance market rules took effect that guaranteed access to coverage for people with pre-existing conditions. At the same time, recent political and policy changes, including the repeal of the individual mandate penalty as part of tax reform legislation and proposed regulations to expand loosely-regulated short-term insurance plans, cloud plans’ outlook going forward.
Issue Brief Read MoreNew Charts Track Growth in U.S. Health Care Prices, Draw Comparisons to Other Countries
Two new chart collections examine trends in healthcare prices and utilization and compare health spending in the United States with that of other wealthy countries.
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