Brief Sales of Insurance across State Lines: ACA Protections and the Substantial Risks of Eliminating Them
Linda J. Blumberg
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This analysis delineates the reasons why proposals to sell nongroup health insurance coverage across state lines, outside the consumer protections provided by the Affordable Care Act, cannot solve problems with the health care system. Like other policies that would increase segmentation of health care risks, such sales would reduce premiums for those who are healthy at a given time but would increase premiums and reduce access to coverage for those with health problems. Such an approach would also reduce the likelihood that insurers would continue to sell comprehensive benefits and moderate cost-sharing options to any nongroup consumers.
Research Areas Health and health care
Tags Health insurance Health equity
Policy Centers Health Policy Center