This short explainer provides an overview of the changes coming under the Affordable Care Act, also known as Obamacare, for those now buying coverage in the individual market.
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Obamacare and You is a series of one-page papers explaining how the Affordable Care Act, also known as “Obamacare,” will affect different groups of people. Click on the links below to learn more: If You Are Uninsured Haga clic para leer en español If You Are Low-Income and May Qualify for…
This list of Frequently Asked Questions (FAQs) about Obamacare covers the Affordable Care Act’s marketplaces (aka exchanges), individual mandate, benefits, and more. It provides answers to questions about specific groups, such as young adults, smokers, the uninsured, and non-traditional households.
The implementation of the Affordable Care Act (ACA) has focused attention on the composition of the nongroup market: how it looked before the new regulatory provisions take effect and how it will change afterwards. There are several ways of answering this question, depending on the time period for measuring enrollment and the information source. There is substantial turnover among people with nongroup coverage, which means that the number of people covered at the beginning of a year (or at any other point in time) is quite different than the number of people who keep that coverage throughout the whole year.
This report examines the premium stabilization programs under the Affordable Care Act (ACA). Risk Adjustment, Reinsurance, and Risk Corridors — also called the Three R’s — will work in the early years of health reform to stabilize premiums and promote insurer competition on the basis of quality and promote market stability.
State-by-State Estimates of the Number of People Eligible for Premium Tax Credits Under the Affordable Care Act
Key provisions of the 2010 Affordable Care Act (ACA) create new Marketplaces for people who purchase insurance directly and provide new premium tax credits to help people with low or moderate incomes afford that coverage. This analysis estimates that about 17 million people who are now uninsured or who buy insurance on their own (“nongroup purchasers”) will be eligible for premium tax credits in 2014. This issue brief provides national and state estimates for tax credit eligibility for people in these groups.
Recently, the New York Times reported that private health insurers continue to seek large premium increases despite seeing lower than expected use of medical care and booking record profits. The story highlights a significant problem for health policy: the lack of good, public information about how health insurers manage health…
There’s been quite a bit of focus lately insofar as these issues go, anyway on health insurance agents and brokers (sometimes known in the industry as “producers”). They are pushing legislation that has been introduced in Congress and is now being studied by the National Association of Insurance Commissioners that…
There has been a substantial amount of focus on the recently released draft regulations governing state-based health insurance exchanges under the Affordable Care Act (ACA). And that’s appropriate, since the exchanges have the important roles under reform of providing consumers with easier access to insurance and facilitating tax credits and cost-sharing subsidies…
KFF Survey Finds that a Majority of Individuals Who Buy Their Own Insurance Report Facing a Premium Increase
People who buy their own insurance report that their insurers most recently requested premium increases averaging 20 percent, according to a new Kaiser survey examining the experiences and views of people who buy health coverage in the non-group or individual market. Overall roughly three in four people (77 percent) with…