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.
Because the ACA gave them choices in how to implement insurance coverage, health reform looks different state to state. This Data Brief examines a number of choices related to the establishment and running of the new health insurance marketplaces, and their potential impact on enrollment rates to date.
In a new NBER working paper, LDI Senior Fellows Mark Duggan, Amanda Starc and Boris Vabson ask the question, “Who Benefits when the Government Pays More? Pass-Through in the Medicare Advantage Program.” Their answer is unequivocal: mostly insurers (in the form of higher profits), not consumers (in the form of better coverage). They set the stage:
In a new Data Brief, we examine several state marketplace characteristics and enrollment rates in the first five months of open enrollment.
The other day I had a blog post exploring why the uninsured have a less favorable opinion of the ACA than those with insurance. When I saw the latest poll from Pew Research Center, I was struck by the differences in the approval rates towards the ACA between college educated and non-college educated participants.
(Cross-posted on The Health Care Blog)
A 26-year-old man who makes $36,000 a year in Philadelphia finds out that he is not eligible for a health insurance subsidy, and must pay his $205 monthly premium without any help.
This, despite the ACA’s subsidies for people earning up to 400% of poverty (about $46,000).
Has he fallen into the subsidy gap?
Public opinion polls have consistently shown that few Americans view the Affordable Care Act (ACA) favorably. The latest Kaiser Family Foundation poll (February, 2014) found that only 35% have favorable opinions of the law.
(Cross-posted on The Field Clinic blog at philly.com)