The Affordable Care Act and Health Insurance Markets: Simulating the Effects of Regulation

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After King v. Burwell: Next steps for the Affordable Care Act. Box-Steffensmeier, J. Event history modeling: A guide for social scientists. Cambridge: Cambridge University Press. Centers for Disease Control and Prevention. Preventive Health Care. Clarke, T. Early release of selected estimates based on dta from the National Health Interview Survey.

National Center for Health Statistics. Congressional Budget Office. Washington, DC. Farley, P. Who are the underinsured? The Milbank memorial fund quarterly health and society, 63 3 , — Finkelstein, A. The value of medicaid: Interpreting results from the Oregon health insurance experiment. National Bureau of Economic Research, working paper series, no.

Subsidizing health insurance for low - income adults: Evidence from Massachusetts working paper no. National Bureau of Economic Research. The Oregon health insurance experiment: Evidence from the first year. The Quarterly Journal of Economics, 3 , — Frean, M. Journal of Health Economics, 53, 72— Gabel, J. Consumer cost - sharing in marketplace vs.

Garrett, B. Who gained health insurance coverage under the ACA, and where do they live? Urban Institute. Han, X. Health-related outcomes among the poor: Medicaid expansion vs.

Handel, B. Adverse selection and inertia in Health Insurance Markets: When nudging hurts. American Economic Review, 7 , — Herring, B. The effect of the availability of charity care to the uninsured on the demand for private health insurance. Journal of Health Economics, 24 2 , — Hinde, J. Incentive less?

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The effectiveness of tax credits and cost-sharing subsidies in the Affordable Care Act. American Journal of Health Economics, 3 3 , — Internal Revenue Service. Department of the Treasury. Jacobs, P. Adults are more likely to become eligible for medicaid during future recessions if their state expanded medicaid.

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Health Affairs, 36 1 , 32— Levy, H. Inquiry, 45 4 , — Long, S. Mahoney, N. Bankruptcy as implicit health insurance. The American Economic Review, 2 , — Manning, W. Generalized modeling approaches to risk adjustment of skewed outcomes data. The ACA requires that employer-sponsored health plans include birth control coverage with no copays. Anthem has requested an average ConnectiCare requested a 4.

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Health Care

The companies attributed rising healthcare costs, the aging population, and the newly reinstated Health Insurance Tax HIT as factors in their proposals. A recent study from the Centers for Disease Control and Prevention shows that the annual out-of-pocket expenses for cancer survivors is increasing with 25 percent experiencing problems paying their bills and 34 percent worried about their costs.

And those costs are growing. Finding a doctor in a Medicare Advantage MA plan network can be difficult for many enrollees, especially if they live in rural areas. Government audits have found that nearly half of the entries in MA directories had incorrect addresses, phone numbers, or doctors who were not accepting new patients. Rural beneficiaries can be especially burdened by narrow MA networks.

A study of California MA plans showed that some enrollees in rural areas lived over miles from in-network specialists. A panel of three federal appeals court judges pressed the state attorneys general defending the Affordable Care Act on Tuesday over whether the law remains constitutional without its individual mandate penalty.

In the two hours of oral arguments , two Republican-appointed judges appeared skeptical about the constitutionality of the individual mandate. Judge Kurt Engelhardt suggested that severing the tax penalty from the ACA should be the job of Congress rather than the courts. Carolyn Dineen King, the only Democratic-appointed judge, did not ask questions during the hearing. The judges did not indicate when they would issue their ruling, but it is expected in the coming months.

Proposed bronze plan rates will increase an average of 5. Covered California Executive Director Peter Lee said the rate stabilizations were due to new state-funded tax credits to middle-class enrollees and a new state penalty imposed on uninsured residents. The 5th U.


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Circuit Court of Appeals will hear oral arguments today on whether a lower court ruling that declared the Affordable Care Act unconstitutional should be overturned. The ACA is being challenged by 18 Republican-led states. The three-judge panel will also decide whether the coalition of Democratic states and the U. House of Representatives have standing to intervene in the case after the Trump administration declined to defend the health law.

Connecticut Governor Ned Lamont signed a bill into law that will require insurance providers to submit annual reports to state insurance commissioners, detailing their coverage of mental health and substance abuse services. The new law intends to hold insurers accountable for complying with state and federal laws that mandate equal access to mental and physical health services. Circuit Court of Appeals rejected a request from Republican state attorneys general to delay oral arguments in the case to strike down the Affordable Care Act.

The lawyers had asked for a day delay to file briefs relating to questions on whether the Democratic-led states defending the ACA have legal standing to intervene. The court allowed a two-day delay and will hear the case July 9 as scheduled. The law also includes a new state reinsurance fund, which could help reduce premiums by as much as 10 percent, state officials say.

Court of Appeals for the 5 th Circuit has asked whether the Democrat-led House of Representatives or Democratic states have the legal right to appeal the ruling that struck down the Affordable Care Act. A three-judge panel requested that both sides of the lawsuit provide written arguments. Oral arguments will begin on July 9. The Senate health committee approved its healthcare package , called the Lower Health Care Costs Act, which includes a cap on how much providers can bill for out-of-network care. Before approval, an amendment was added to the legislation.

The change requires insurers to reveal all physicians and hospitals in their networks so patients can see all available options before choosing a plan. TransUnion tracked deductible and co-pay costs for patients with commercial insurance, Medicare Advantage, Traditional Medicare, and those who self-pay to find the annual averages.

Is Obamacare Working? The Affordable Care Act Five Years Later

The program was created to help offset potential financial losses during the initial years of the ACA. Insurers with lower-than-expected costs would pay into the program, and those with heavy-than-expected costs would be reimbursed from this fund. In , Congress required the program to be budget-neutral and limited payments, which insurers say lead to a shortfall. President Trump signed an executive order on Monday that will require hospitals and insurance companies to publicly disclose their negotiated pricing. The California Legislature voted to impose a tax on residents who do refuse to purchase health insurance.

The penalty will go into effect on January 1, , if the bill becomes law. The state will use the funds collected from the tax to provide insurance premium subsidies to middle-income Californians who earn up to six times the federal poverty limit. The Senate health committee has come to decision on how its bipartisan healthcare package will help patients with surprise medical bills. To combat these charges, panel leaders Lamar Alexander R-Tenn.

The announcement came right before a new Kaiser Family Foundation study found that 1 in 6 insured Americans have been affected by surprise bills after a hospital stay.


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The Trump administration has issued a new rule that will enable employees of small businesses to use tax-free health reimbursement accounts HRAs to purchase individual health insurance plans. Previously, employers could set up tax-deductible HRAs to help reimburse workers for out-of-pocket medical expenses. Beginning January 1, , small employers who do not offer group health insurance can set up HRAs that workers can use to purchase ACA-compliant plans on the individual market.

The rule change will provide coverage to an estimated , people who currently do not have health insurance, according to the Trump administration. For the first time, the House Ways and Means Committee held a hearing on the various Democratic proposals for universal healthcare. The discussion, held Wednesday with a panel of healthcare experts and advocates, primarily served as a platform for partisan debate. Republicans were united in the belief that Medicare for All measures would cost too much, raise taxes and dilute the quality of healthcare.

Democrats remain split on what type of public plans to support and whether the Affordable Care Act could be used to move those proposals forward.

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Lawmakers from both parties agreed that the current healthcare system needs to be revised so that more people can have access to quality care and affordable coverage. In a notice to beneficiaries , the Department of Health and Human Services disclosed that some enrollees have not had premiums deducted from their Social Security benefit checks since February.

The error has been corrected and payments will be resumed beginning this month or in July.