Cross-posted from the Philadelphia Inquirer "Field Clinic" Blog
Health insurers participating in the new Marketplaces are filing rates for 2015 during the next few months. A few states have already released data on proposed rates. There is substantial economic, policy, and political interest in the magnitude of proposed rate changes. This brief provides background for understanding the economic drivers of proposed rates, state and federal rate review authority, the effects of rate changes on Marketplace enrollees and federal spending on premium credits, and the economic and political dynamics of the rate review and approval process.
Cross-posted with the Field Clinic blog
The Obama administration has given employers a reprieve from the mandate that they offer their workers insurance at low employee premiums or pay a penalty. As things now stand, enforcement is postponed until 2016. But should the mandate ever come back?
As each state announces the proposed 2015 rates for each insurer on the marketplaces, it prompts a flurry of commentary about the implications for the ACA. What do these filings mean? Here are three quick things to remember as the proposed rates are announced.
Since September 2010, the ACA has allowed young adults to remain dependents on their parents’ private health plans until age 26. We are just beginning to understand the full impact of the under-26 mandate on the health and health care of young adults. Three new studies fill in some of the gaps.
Here’s what we know thus far, from studies that make good use of slightly older populations as a control group and a difference-in-difference method to adjust for contemporaneous trends in the pre- and post-ACA periods:
Cross-posted with The Field Clinic Blog
This new data brief updates our interim March 2014 findings with enrollment rates at the close of the Affordable Care Act's first open enrollment period. It focuses on enrollment rates by state and type of marketplace, and assesses changes in enrollment rates in the final six weeks.
The Affordable Care Act required that consumers have access to in-person or on-call assistance to understand their choices and "navigate" the complexities of the new health insurance marketplaces. One consequence of each state's decision about whether to run its own marketplace is an extreme variation in the time-limited funding available for consumer assistance programs.
The second annual Penn-LDI Health Insurance Marketplace Conference, held April 10-11 at the University of Pennsylvania, brought together academic researchers and marketplace officials to discuss how to align research and implementation efforts. See agenda here. One of many high points of the conference was a session of research presentations focused on “choice architecture” and other aspects of the choices people are facing in the new marketplaces.