The Affordable Care Act and Health Insurance Markets: Simulating the Effects of Regulation

The Affordable Care Act and Health Insurance Markets: Simulating the Effects of Regulation

The Affordable Care Act and Health Insurance Markets: Simulating the Effects of Regulation

The Affordable Care Act and Health Insurance Markets: Simulating the Effects of Regulation

Excerpt

The Affordable Care Act changes the rating regulations governing the nongroup and small group markets while simultaneously encouraging enrollment through a combination of subsidies, tax credits, and tax penalties. Policymakers and other stakeholders are interested in understanding how these changes might affect health insurance enrollment, premiums, and other outcomes to inform exchange implementation and planning. In this report, we estimate the effects of the Affordable Care Act on health insurance enrollment and premiums for ten states (Florida, Kansas, Louisiana, Minnesota, New Mexico, North Dakota, Ohio, Pennsylvania, South Carolina, and Texas) and for the nation overall, with a focus on outcomes in the nongroup and small group markets. This analysis was sponsored by the Center for Consumer Information and Insurance Oversight (CCIIO, a division of the Centers for Medicare & Medicaid Services [CMS]) through an interagency agreement with the U.S. Department of Health and Human Services (HHS), Assistant Secretary for Planning and Evaluation (ASPE). However, the views, opinions, and findings presented here are those of the authors and should not be construed as official government positions unless so designated by other documents.

The research was conducted by RAND Health, a division of the RAND Corporation. Questions may be addressed to Christine Eibner (eibner@rand.org; (703) 413–1100, ext. 5913). A profile of RAND Health, abstracts of its publications, and ordering information can be found at http://www.rand.org/health.

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