As Insurers Exit Affordable Care Act Marketplaces, So Do Consumers.
Insurer participation in the Marketplaces for individual health insurance has been lower than expected, with large declines among states using the HealthCare.gov platform for policy years 2017 and 2018. Using HealthCare.gov enrollment data, we examined how insurer exits from the Marketplaces affecte...
| Publicado en: | Health Affairs Vol. 38; no. 11; pp. 1893 - 1902 |
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| Autores principales: | , |
| Formato: | research tables/charts Journal Article |
| Publicado: |
Health Affairs Publishing, LLC
Nov2019
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| Acceso en línea: | Ver este registro en EBSCOhost |
| fields | @attributes: recordID: 1 pdfLink: plink: https://search.ebscohost.com/login.aspx?direct=true&db=ccm&AN=139544989&site=ehost-live header: @attributes: shortDbName: ccm uiTerm: 139544989 longDbName: CINAHL Complete uiTag: AN controlInfo: bkinfo: dissinfo: jinfo: jid: 02782715 HAF jtl: Health Affairs issn: 02782715 maglogo: N pubinfo: dt: Nov2019 vid: 38 iid: 11 pid: 1453 pub: Health Affairs Publishing, LLC place: Washington, District of Columbia artinfo: ui: 139544989 139544989 139544989 10.1377/hlthaff.2018.05475 139544989 ppf: 1893 ppct: 9 formats: tig: atl: As Insurers Exit Affordable Care Act Marketplaces, So Do Consumers. aug: au: Crespin, Daniel DeLeire, Thomas affil: Associate policy researcher at the RAND Corporation in Boston, Massachusetts sug: subj: Patient Protection and Affordable Care Act Insurance Carriers Consumers Psychosocial Factors Health Insurance Exchanges Insurance, Health Stakeholder Participation Human Health Policy Insurance Coverage Data Analysis Software Health Care Costs Descriptive Statistics Economic Competition ab: Insurer participation in the Marketplaces for individual health insurance has been lower than expected, with large declines among states using the HealthCare.gov platform for policy years 2017 and 2018. Using HealthCare.gov enrollment data, we examined how insurer exits from the Marketplaces affected consumers' decisions to reenroll--that is, to continue Marketplace participation--in policy years 2015-18. Insurer exit was associated with increased likelihood of consumer disenrollment from Marketplace coverage. The increase was twice as large for unsubsidized consumers (18.3 percentage points) than for consumers who received subsidies in the form of Advance Premium Tax Credits (8.7 percentage points) and was largely independent of premium increases measured using the lowest-cost silver plan available. However, premiums increased more in areas affected by insurer exits than in unaffected areas, contributing to increased disenrollment among unsubsidized consumers in policy years 2016-18. These findings suggest that maintaining insurer participation could encourage continued enrollment in the Marketplaces, while preserving competition to limit premium increases. pubtype: Academic Journal doctype: research tables/charts Journal Article ougenre: Article language: English refInfo: holdings: @attributes: islocal: N |
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