Wednesday, November 19, 2014

Premiums and Stability in the Individual Health Insurance Market

Key Findings
  1. Eliminating the Affordable Care Act's premium tax credits would substantially increase premiums and reduce overall enrollment in the individual market.
  2. Reduced enrollment of young adults in the individual health insurance market would lead to modest premium increases.
  3. Alternative types of subsidies — such as vouchers — could cause premiums to become more sensitive to the age mix of enrollees.
  4. Eliminating the individual mandate would cause small increases in premiums but large declines in enrollment.
Source: RAND Corporation

Download full pdf publication | Read online at RAND Corporation

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