Individual Health Insurance Market

Digital Payments May Help Individual Market Premium Collections

by Kelsey Waddill

Only half of individual health insurance market members pay their premium bill on time, potentially pointing health plans toward digital payment tools for premium collections, finds a recent Aite Group...

Off-Exchange Individual Health Plans Have Highest Disenrollment

by Kelsey Waddill

The individual health insurance market decreased another five percent in the beginning of 2019 following the individual mandate repeal, the Kaiser Family Foundation (KFF) reported. After the enactment...

Medicare Advantage Gives Insight into Single Payer Systems

by Kelsey Waddill

Medicare Advantage’s annual gross margins are about twice as high as individual or group plans, according to a recent Kaiser Family Foundation (KFF) study. The findings could shed light on the...

CO’s Reinsurance Waiver Projected to Lower Premiums by 16%

by Kelsey Waddill

HHS and the US Department of the Treasury approved Colorado’s Section 1332 waiver to develop a reinsurance program, CMS announced. The waiver will exempt Colorado from Section 1332 of the...

Judge Preserves 3 Year, Renewable Short-Term Health Plan Rule

by Kelsey Waddill

Federal Judge Richard J. Leon recently ruled in favor of an HHS final rule issued in August 2018 that made short-term health plans renewable for up to 36 months. Short-term, limited-duration health...

Texas v. Azar Will Tackle 3 Subjects on Affordable Care Act

by Kelsey Waddill

On July 9, the Fifth Circuit Court of Appeals will hold hearings on the constitutionality of the individual mandate in Texas v. Azar, the Kaiser Family Foundation (KFF) reports. The hearing on Tuesday...

Experts Debate Impact of HRAs on Individual Health Plan Market

by Kelsey Waddill

The finalized rule on health reimbursement arrangements (HRAs) contains two major changes compared to its earlier version. Employers will be permitted to provide HRAs that are integrated with...

Executive Order to Aid Employee Access to Individual Health Plans

by Kyle Murphy, PhD

The Trump Administration issued an executive order that will allow employers to help employees pay for health insurance via health reimbursement arrangements. As part of individual coverage health...

Commercial Health Plan Members Happy with Coverage, But Not Costs

by Jessica Kent

Customer satisfaction with commercial health plans is improving nationwide, but members are still not content with co-pay costs or care coordination, a JD Power consumer survey revealed.   While...

State Policies Protect Consumers from Short-Term Health Plans

by Sara Heath

States are taking action to protect consumers from low-value health payer plans, including short-term health plans, according to a new issue brief from the Commonwealth Fund. Short-term health plans...

Eligibility, Cost Sharing Key Factors for Single-Payer Health Insurance

by Jessica Kent

Eligibility, cost sharing, and the role of private health insurance will be among the primary concerns for policymakers if they choose to design a single-payer health insurance system in the US,...

CMS Seeks New State Waivers to Boost Individual Insurance Market

by Jessica Kent

CMS is issuing a request for information (RFI) asking states for ideas to develop State Relief and Empowerment Waivers to reduce costs in the individual insurance market. In a recent blog post, CMS...

Small Business Health Plan Premiums Have Increased by 5% Since 2015

by Jessica Kent

Average health insurance premiums and individual deductibles for small business health plans have both increased since 2015, which may contribute to employers and employees’ concerns about...

North Dakota to Implement Reinsurance for Health Insurance Market

by Jessica Kent

North Dakota Governor Doug Burgum has signed a bill that will establish a reinsurance pool for the state’s individual health insurance market. The North Dakota House of Representatives passed...

GAO: 3 Largest Payers Hold 80% of Private Health Insurance Market

by Jessica Kent

The private health insurance market remains concentrated among a small number of payers, with the three largest companies holding 80 percent or more of the market, a recent GAO report found. Three or...

11.4M Consumers Selected ACA Health Insurance Exchange Plans in 2019

by Jessica Kent

Approximately 11.4 million consumers either selected or were automatically re-enrolled in Affordable Care Act (ACA) health insurance exchange plans during the open enrollment period in 2019, according...

Trump Administration Backs Scrapping Entire Affordable Care Act

by Jennifer Bresnick

The Trump Administration is leaving no more ambiguity about its opposition to the entirety of the Affordable Care Act.  In a brief legal memo released this week, three Department of Justice...

New Jersey to Establish State Health Insurance Exchange

by Jennifer Bresnick

New Jersey will move away from the federal insurance marketplace and transition to a state health insurance exchange in 2021, Governor Phil Murphy announced last week. The Democratic governor...

Congress Opens Probe into Short-Term Limited Duration Insurance

by Jennifer Bresnick

The House Energy & Commerce Committee (E&C) has opened an inquiry into short-term limited duration insurance (STLDI) plans and companies that may be acting against consumer interests by selling...

Revised Tax Policies Needed to Reduce Individual Market Premiums

by Jessica Kent

Policymakers should revise current tax policies and work to eliminate financial barriers to health insurance in order to reduce individual market premiums, says a new brief from the Blue Cross Blue...