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Growth and Variability in Health Plan Premiums in the Individual Insurance Market Before the Affordable Care Act

June 5, 2014

Before we can evaluate the impact of the Affordable Care Act on health insurance premiums in the individual market, it is critical to understand the pricing trends of these premiums before the implementation of the law. Using rates of increase in the individual insurance market collected from state regulators, this issue brief documents trends in premium growth in the pre-ACA period. From 2008 to 2010, premiums grew by 10 percent or more per year. This growth was also highly variable across states, and even more variable across insurance plans within states. The study suggests that evaluating trends in premiums requires looking across a broad array of states and plans, and that policymakers must examine how present and future changes in premium rates compare with the more than 10 percent per year premium increases in the years preceding health reform.

Realizing Health Reform's Potential: Will the Affordable Care Act Make Health Insurance Affordable?

April 27, 2011

Examines the percentage of low-income families, by income, family structure, and out-of-pocket healthcare costs, unable to afford insurance even with the premium and cost-sharing subsidies provided under the 2010 reform. Explores implications.

Choosing a Medicare Part D Plan: Are Medicare Beneficiaries Choosing Low-Cost Plans?

March 9, 2009

Examines whether Medicare enrollees choose the prescription drug plans with the lowest premiums and out-of-pocket expenses for them from among multiple private insurance options. Estimates how much enrollees would have saved with the lowest-cost plan.