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.
In a new Data Brief, we take a nuanced look at 2014 premiums and choices faced by rural residents on the health insurance marketplaces, compared to their more urban counterparts. Prior to the ACA, many rural areas had high premiums and little competition among insurers. Did the ACA change that? The answer, it turns out, depends on the state.
Cross-posted with The Field Clinic Blog
In a new blog post, LDI Executive Director Dan Polsky discusses the limited impact the ACA has had, thus far, on patient volume, and contrasts that with the potentially dramatic impact it can have on people previously uninsured.
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.
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.
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?