Tag Archives: reinsurance

Supporting The Individual Health Insurance Market

The current market status can be traced back to a series of regulatory and implementation failures that served to undermine the market. A set of regulatory and legislative changes, alongside the assurance of operational and regulatory certainty for issuers, could put it back on track.

August 7, 2017

ACA Round-Up: CMS Approves Alaska 1332 Reinsurance Waiver, Ceases Premium Outlier Reviews

On July 11, CMS announced approval of Alaska’s state innovation waiver application for its reinsurance program. Another reinsurance program 1332 waiver application is pending from Minnesota and more are expected. Alaska’s 1332 waiver approval follow’s Hawaii’s successful application last year.

July 12, 2017

CMS Releases 2016 ACA Marketplace Reinsurance And Risk Adjustment Data

On June 30, 2017, CMS released the results for the third year (2016) of the reinsurance and risk adjustment programs, two of the Affordable Care Act’s “three R” premium stabilization programs. The 2016 results from the risk corridor program, the “third R” will be announced later this year.

July 1, 2017

Democratic Ideas On ACA Improvements; More From CBO On BCRA Medicaid Cuts

A Democratic staff report and bills introduced by Sen. Jean Shaheen (D-NH) could provide important ideas in the event of bipartisan health reform talks. Meanwhile, the CBO has said that the Medicaid cuts in Senate Republican ACA repeal legislation would widen in its second decade of operation.

June 29, 2017

ACA Round-Up: Mental Health And Substance Use Parity, Premium Tax Credits, And A New Marketplace Reinsurance Proposal

Continuing to implement mental health/substance use parity, three departments proposed a form for information on non-quantitative treatment limitations. The House passed three bills about premium tax credits. And Democratic senators proposed a reinsurance program to stabilize the individual market.

June 16, 2017

Iowa Submits 1332 Waiver Request, Claiming It Is Necessary To Avoid An Individual Insurance Market Collapse

On June 12, Iowa submitted a 1332 waiver request that would dramatically change the nature of its marketplace, claiming that this was needed to save a collapsing individual insurance market. To grant the request, CMS would have to waive many of 1332’s normal statutory and regulatory requirements.

June 12, 2017

CMS Checklist For State 1332 Waivers Focuses On High-Risk Pools, Reinsurance

On May 11, CMS and the Department of the Treasury released a checklist for state 1332 innovation waiver applications. Following up on HHS Secretary Price’s March 13 letter to governors, the checklist specifically focuses on state 1332 proposals to support high-risk pools or reinsurance programs.

May 12, 2017

Correcting Misconceptions About Invisible Risk-Sharing

An amendment to the AHCA draws in part from a proposal to include an invisible high-risk pool. Based on an independent analysis, there are a few misconceptions that should be corrected and changes that could improve the invisible risk-sharing program.

April 25, 2017

Making Sense Of ‘Invisible Risk Sharing’

Before Congress recessed last week, the House amended the pending American Health Care Act to include an “Invisible Risk-Sharing Program,” funded with $15 billion over nine years. What should we make of claims that this approach caused premiums to plummet in Maine and can make a big dent nationally?

April 12, 2017

The Marketplace Premiums Increase: Underwriting Cycle Or Death Spiral?

In this post, we aim to illuminate the underlying forces that led to dramatic increases in premiums so as to clarify the historical record and provide lessons for policymakers who aim to replace the ACA.

February 8, 2017