As Self-Funding Increases in Popularity, Two States Step up to Address Potential Stop-Loss Policy Concerns

In the wake of the Affordable Care Act’s insurance market reforms, policy experts have raised concerns that there could be greater incentives for small businesses to self-fund their health plans. Self-funding can be attractive for some small groups, but also can pose significant risks. In the wake of a white paper from the National Association of Insurance Commissioners, two states have stepped up to address concerns. Ashley Williams has the latest. Continue reading

CHIR Expert Sabrina Corlette Testifies before U.S. Senate Roundtable on Small Business Health Care

On July 7 the Senate Health Education Labor and Pensions Committee held a roundtable discussion about challenges and opportunities facing the small business health insurance market. CHIR Senior Research Fellow Sabrina Corlette was invited to join the conversation about the SHOP marketplaces, self-funded plans, the change in the definition of the small group market, and more. Continue reading

Beware the Latest Loophole

As significant an impact as the Affordable Care Act will have on the U.S. health insurance market, there remain a number of ways health insurance carriers and other stakeholders may avoid or delay the law’s reforms. Christine Monahan discusses a new loophole gaining attention at the state level that would allow health insurance carriers to delay compliance with the ACA’s 2014 market reforms for a year. Continue reading