Private Insurance/Exchanges

The main source of health insurance in the US, primarily through employers. The Affordable Care Act established health insurance exchanges (marketplaces) for the individual and small group market.

How Did Rural Residents Fare on the Health Insurance Marketplaces?

Data Brief
Aug. 29, 2014

How are rural areas faring with the Affordable Care Act? Has the law fostered competition among plans or have one or two insurers dominated? This Data Brief examines 2014 premiums and finds that residents of rural counties, as a whole, did not face higher premiums than residents of urban counties. However, states with largely rural populations do face fewer choices and higher premiums. These are the states to watch as new issuers enter the marketplaces and 2015 premiums are filed.

Photo Page: SUMR14 at The Morris Arboretum

Jul. 31, 2014
Photography by Hoag Levins and Megan Pellegrino [Click images for larger] Lounging in the 50-foot-high nets (above left) that provide a bird's eye view of a heavily wooded section of the Morris Arboretum are Summer Undergraduate Minority Research (SUMR) scholars Sarah Appeadu, Nehanda Khemet, Karena Taylor, Shamarlon Yates, Siya Ndwandwe and Tyler Chavez. Above right, Arboretum guide Jim Diamond explains the Katsura tree, a 90-foot high, 67-foot wide botanical behemoth imported from Japan in the early 1900s. Originally created in the 1880s for the personal pleasure of two heirs to a...

Health Insurance Rates and Rate Review

Data Brief
Jun. 27, 2014

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.

Three Questions About 2015 Premiums

Jun. 23, 2014

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.

An Alternative to the ACA’s Employer Mandate

Jun. 23, 2014

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?

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