The Roller Coaster Continues — The Prospect for Individual Health Insurance Markets Nationally for 2019: Risk Factors, Uncertainty and Potential Benefits of Stabilizing Policies
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چکیده
Executive Summary • Issuers and states faced considerable challenges in 2018 due to federal policy changes and uncertainty, including reduced carrier participation and the need to make premium work-arounds to address the removal of direct federal funding for the cost-sharing reduction (“CSR”) program. For those receiving subsidies, their premium cost fell on average 3 percent in federally facilitated marketplace (FFM) states, while on average the premium for the lowest-cost Silver plan for those who did not receive subsidies increased 32 percent.
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