Same Game, Different Names: Cream-Skimming in the Post-ACA Individual Health Insurance Market.

ABSTRACT: One of the Affordable Care Act's (ACA) signature reforms was creating centralized Health Insurance Marketplaces to offer comprehensive coverage in the form of comprehensive insurance complying with the ACA's coverage standards. Yet, even after the ACA's implementation, millions of people were covered through noncompliant plans, primarily in the form of continued enrollment in "grandmothered" and "grandfathered" plans that predated ACA's full implementation and were allowed under federal and state regulations. Newly proposed and enacted federal legislation may grow the noncompliant segment in future years, and the employment losses of 2020 may grow reliance on individual market coverage further. These factors make it important to understand how the noncompliant segment affects the compliant

SUBMITTER: Sacks DW 

PROVIDER: S-EPMC7357013 | biostudies-literature | 2020 Jan-Dec

REPOSITORIES: biostudies-literature