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The Henry J. Kaiser Family Foundation

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…

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The Henry J. Kaiser Family Foundation

Explaining Health Reform: How will the Affordable Care Act affect Small Businesses and their Employees?

Several provisions of the Affordable Care Act (ACA) will likely have significant effects on small businesses, their employees, and families. Currently, smaller businesses are less likely to offer health insurance coverage to their employees than larger companies: 57% of small businesses with 50 or fewer workers offered health benefits to…

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The Henry J. Kaiser Family Foundation

Health Insurance Market Reforms: Portability

Most Americans have access to health insurance through an employer-sponsored health plan, a fact that has made changing or losing a job a complex issue for the purposes of maintaining health insurance. Moving to a new job can be hard if the employer does not offer health insurance, or if…

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The Henry J. Kaiser Family Foundation

Explaining Health Care Reform: Medical Loss Ratio (MLR)

This fact sheet explains the Medical Loss Ratio requirement under the Affordable Care Act (ACA). The MLR provision limits the portion of premium dollars health insurers may spend on administration, marketing, and profits. Under health care reform, health insurers must publicly report the portion of premium dollars spent on health care and quality improvement and other activities in each state they operate. Insurers failing to meet the applicable standard must pay rebates to consumers and businesses.

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The Henry J. Kaiser Family Foundation

JAMA Forum: ACA Implementation Starts to Get Real

Larry Levitt’s latest post on ACA implementation is now available on the JAMA Forum.

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The Henry J. Kaiser Family Foundation

Explaining Health Care Reform: Risk Adjustment, Reinsurance, and Risk Corridors

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.

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The Henry J. Kaiser Family Foundation

Who Will be the H&R Block and TurboTax for Health Insurance?

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…

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