Assessing Alternative Modifications to the Affordable Care Act

Assessing Alternative Modifications to the Affordable Care Act: Impact on Individual Market Premiums and Insurance Coverage

Christine Eibner
Evan Saltzman
Copyright Date: 2014
Published by: RAND Corporation
Pages: 29
https://www.jstor.org/stable/10.7249/j.ctt14bs4gd
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  • Book Info
    Assessing Alternative Modifications to the Affordable Care Act
    Book Description:

    This report summarizes analysis in which the COMPARE microsimulation model was used to estimate how several potential changes to the Affordable Care Act, including eliminating the individual mandate and eliminating the law’s tax-credit subsidies, might affect 2015 individual market premiums and overall insurance coverage. The report also presents estimate how changes in young adult enrollment might affect 2015 individual market premiums.

    eISBN: 978-0-8330-8964-9
    Subjects: Health Sciences, Business, History

Table of Contents

  1. Assessing Alternative Modifications to the Affordable Care Act Impact on Individual Market Premiums and Insurance Coverage
    (pp. 1-29)
    Christine Eibner and Evan Saltzman

    The Affordable Care Act (ACA) reformed the individual insurance market, requiring issuers to offer coverage to all willing buyers (guaranteed issue and renewal) and limiting premium variation across enrollees. The goals of these reforms are to enable all Americans to have access to affordable health insurance and to prevent sicker individuals (such as those with preexisting conditions) from being priced out of the market.

    The ACA also instituted several policies to stabilize premiums and to encourage enrollment among healthy individuals of all ages in light of these market reforms. The law’s tax credits and cost-sharing subsidies offer a “carrot” thata...