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

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What will happen if the Affordable Care Act is repealed without a replacement?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

New Analysis: Repeal of the Affordable Care Act through Reconciliation Throws Almost 30 Million off Coverage

A new Urban Institute analysis shows that close to 30 million people will lose coverage if the Affordable Care Act is partially repealed through a budget reconciliation process. This will result in national uninsurance rates that are actually higher than they were before the ACA was enacted. What’s behind the numbers? Sabrina Corlette takes a look. Continue reading

Confused about What Happens at Tax Time? FAQs on Penalties, Exemptions, Reconciliation, and SEPs

As part of a Robert Wood Johnson Foundation-funded project to help navigators and assisters in five states, faculty at Georgetown’s CHIR and the Center for Children and Families have been getting a lot of tax-related questions lately. Tricia Brooks, Sandy Ahn, Sabrina Corlette and JoAnn Volk share answers to some of the most frequently asked questions. Continue reading

Another Shift in Health Insurance Rules: Helping Consumers Keep Up

On the eve of the December 23 deadline to sign up for health insurance coverage, the Administration announced that people whose previous health plans had been cancelled will now be allowed to enroll in alternative, bare-bones coverage. Consumers and those charged with helping them enroll – navigators, brokers, application assisters and others – are likely to have questions about the change. Sabrina Corlette provides answers here. Continue reading