Effects of the ACA’s 3Rs (Reinsurance, Risk Adjustment, and Risk Corridors) on the Bottom Line (Part II)
Yesterday, I looked at the aggregate effects of some of the ACA’s premium stabilization programs (reinsurance, risk adjustment, and risk corridors, the 3Rs). Today, I illustrate the potential effects of the 3Rs on insurers’ reported revenues, costs, and underwriting profits (losses).
Effects of the ACA’s 3Rs (Reinsurance, Risk Adjustment, and Risk Corridors) on the Bottom Line (Part I)
We now have better information on how the “3Rs”—the ACA’s mechanisms designed to help stabilize premiums and protect insurers against large losses in the first years of health care reform—affected insurers’ bottom lines in 2014. In this first of two posts, I review the information reported by CMS for two of the 3Rs: reinsurance and risk adjustment.
The Affordable Care Act (ACA) mandates that private health insurance plans cover all FDA-approved prescription contraceptives with no cost-sharing.
There’s been a lot of talk about "narrow" networks in ACA plans, which trade off limited provider coverage for lower premiums. Using a new integrated dataset of physician networks in plans on the federal and state marketplaces, our latest LDI/RWJF Data Brief describes the breadth of physician networks across all silver plans sold in 2014.
The Affordable Care Act (ACA) has prompted health plans to increase their use of “narrow networks” of providers as a cost containment strategy. The Leonard Davis Institute of Health Economics (LDI) has assembled the first integrated dataset of physician networks for the plans offered on the ACA marketplace. This data brief uses this new resource to describe the breadth of the physician networks in plans sold on the state and federal marketplaces.
Today, on the tax filing deadline, we can safely say that the ACA did not wreak havoc during tax season. Yes, there were surprised taxpayers who had to return portions of their premium tax credits (because they earned more than they had projected).
Stand-alone dental plans (SADPs), available on state and federal marketplaces, spawned headlines late last fall because they were mistakenly counted when CMS tallied the total of health insurance enrollments.
As a recipient of the Alice Hersh Scholarship, I had the privilege of attending AcademyHealth’s 2015 National Health Policy Conference in Washington D.C. In addition to many interesting sessions, I had the opportunity to meet many leaders in the health care space, from health services researchers and policy makers to providers and business leaders.