Journal Article How Choices In Exchange Design For States Could Affect Insurance Premiums And Levels Of Coverage
Fredric Blavin, Linda J. Blumberg, Matthew Buettgens, John Holahan, Stacey McMorrow
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The Affordable Care Act calls for the creation of health insurance exchanges in each state, where individuals and small employers can purchase health insurance. States have considerable flexibility in how they design and implement their health insurance exchanges. This study analyzes several exchange design options using the Urban Institute's Health Insurance Policy Simulation Model (HIPSM), looking specifically at the cost and coverage implications of creating separate versus merged small group and non-group markets; eliminating age rating in these markets; removing the small employer credit; and defining the size threshold for the small group market at 50 versus 100 workers.
Research Areas Health and health care
Tags Health insurance Federal health care reform State health care reform Private insurance
Policy Centers Health Policy Center