Research Report Stabilizing Premiums Under the Affordable Care Act: State Efforts to Reduce Adverse Selection
Linda J. Blumberg, Shanna Rifkin, Sabrina Corlette, Additional Authors
Display Date
File
File
Download Report
(237.26 KB)

As a consequence of the ACA's reformed nongroup insurance market, some have raised concerns about short-term "rate shock" an increase in premiums as a result of enhanced consumer protections and more risk-sharing compared with the pre-reform market as well as longer-term instability due to adverse selection, the phenomenon by which particular insurance plans or markets attract an enrollment with higher than average health care risks. While the ACA includes strategies intended to mitigate these effects, some states are introducing additional strategies to strengthen the protections. This paper explores policies designed to address these concerns being implemented in 11 states.
Research Areas Health and health care
Tags Health insurance Federal health care reform State health care reform Private insurance
Policy Centers Health Policy Center