Risky Business: Health Actuaries Assess the Individual Market and Rates

As the health care debate continues, we face a number of unknowns. Congressional leadership and President Trump vowed to repeal the ACA, but have yet to reach a consensus on the replacement plan. Meanwhile, consumers and insurers are making big decisions about health plans without knowing what the individual market will look like. Predicting the impact of unknown events is no easy task; if you’ve misplaced your crystal ball, the American Academy of Actuaries (AAA) recently released an issue paper on the future of the individual market, lending their expertise to a debate riddled with uncertainty. Continue reading

Repealing The ACA Could Worsen The Opioid Epidemic

As our country grapples with an “unprecedented opioid epidemic,” Congress is taking steps to take away an important tool to fight it — the Affordable Care Act (ACA). In a post for the Health Affairs blog, CHIR expert Dania Palanker and Urban Institute researchers Lisa Clemans-Cope and Jane Wishner assess policies and programs under the ACA that have helped tackle the opioid crisis and what could be lost if they are repealed. Continue reading

Congress Asked States for Health Reform Ideas. They May Be Surprised by What They Hear

Shortly after the election, Congress asked state officials to provide input on repealing and replacing the Affordable Care Act. CHIR expert Sabrina Corlette tracked down 34 of those letters, and found the responses – particularly from states with Republican leaders – to not not always be what she expected. She shared her top takeaways here. Continue reading

State Experiences Show Why Repealing the ACA’s Premium Subsidies and Individual Mandate Would Cripple Individual Health Insurance Markets

What will happen if the Affordable Care Act is repealed without a replacement? In their latest article for The Commonwealth Fund, CHIR experts Justin Giovannelli and Kevin Lucia find that it could look a lot like the regulatory landscape that existed in several states that tried to enact health reform in the past. The lessons from those experiences are grim. Continue reading

States That Leaned In on the Affordable Care Act Have Much to Lose

In the wake of the Affordable Care Act’s passage, 17 states embraced the chance to set up and manage their own marketplace and design an insurance market to meet local needs. In their latest article for the Commonwealth Fund, CHIR experts Sabrina Corlette, Emily Curran and Kevin Lucia review these states’ progress on expanding coverage and stabilizing their markets and find that they have much to lose if the law is repealed. Continue reading

Tick Tock: An Unforgiving Calendar for Health Plans Makes Orderly “Transition” for Affordable Care Act Repeal Unlikely

The incoming Congress and Administration have pledged to repeal the Affordable Care Act but hope to minimize disruption by providing for a transition period. However, insurers must make key decisions about health plans and pricing far in advance of bringing those plans to market. In an ongoing series of articles for The Commonwealth Fund, CHIR experts Sabrina Corlette and Kevin Lucia partner with Julie Andrews of Wakely Consulting Group to examine how the uncertainty created by Congressional action could result in far fewer plan choices and significantly higher premiums for consumers. Continue reading

Twelve Days of Coverage

Despite the gloom and doom surrounding the Affordable Care Act (ACA), when we look back at what the ACA has achieved, there is cause to celebrate this holiday season. Six years after President Barack Obama signed the ACA into law, we have the lowest uninsured rate and record enrollment numbers on Healthcare.Gov, showing just how much people need and want comprehensive health insurance. As we hum along to our favorite holiday hits, CHIR has composed a new carol to pay homage to the monumental health care law that has led to unprecedented coverage and consumer protections. Happy holidays! Continue reading