Private Health Insurance Exchanges: Early Evidence and Implications for the Future.

Private health insurance exchanges and defined contribution health plans: is it déjà vu all over again?

This issue brief examines issues related to private health insurance exchanges, possible structures of an exchange, funding, as well as the pros, cons, and uncertainties to employers of adopting them. A summary of recent surveys on employer attitudes are examined, as are some changes that employers have made to other benefits that might serve as historical precedents for a move to some type of ...

Early Impacts of the Affordable Care Act on Health Insurance Coverage in Medicaid Expansion and Non-Expansion States.

The Affordable Care Act (ACA) aimed to achieve nearly universal health insurance coverage in the United States through a combination of insurance market reforms, mandates, subsidies, health insurance exchanges, and Medicaid expansions, most of which took effect in 2014. This paper estimates the causal effects of the ACA on health insurance coverage in 2014 using data from the American Community...

The Economics, Opportunities, and Challenges of Health Insurance Exchanges

A central component of the Affordable Care Act (ACA) is the creation of state-based health insurance exchanges, which have the potential to substantially improve the functioning and expand the reach of the private health insurance market. Here, we describe salient features of the current market for health insurance and explain how the exchanges will build on this system by altering incentives f...

Does Risk Adjustment Reduce Selection in the Private Health Insurance Market? New Evidence from the Medicare Advantage Program

The Impact of Market Size and Composition on Health Insurance Premiums: Evidence from the First Year of the Affordable Care Act.

Approximately eight million US residents currently obtain private health insurance coverage through one of the marketplaces created by the Affordable Care Act (ACA). Recent research has documented considerable variation across geographic areas in the number of insurers participating in each market, the number of plans offered, and in the distribution of health insurance premiums. This variation...