The first three years of the Affordable Care Act’s Health Insurance Marketplaces have been tumultuous ones, with rapid entry and exit of insurers and recent spikes in premiums. As concerns mount about the stability and viability of the Marketplaces, this brief provides some insight into the forces behind the headlines and presents six options for policymakers to consider.

health insurance “across state lines” are often promoted to address the challenges of high health insurance costs and a lack of choice among insurers and have been a core component of alternative health reform proposals since the mid-2000s. Critics, however, argue that across state lines proposals would lead to deregulation and a “race to the bottom” where health insurers relocate to the states...

States have flexibility in implementing the Affordable Care Act's health insurance marketplaces and may choose to become more (or less) involved in marketplace operations over time. Interest in new implementation approaches has increased as states seek to ensure the long-term financial stability of their exchanges and exercise local control over marketplace oversight. This brief explores the ex...

The nearly universal belief among policy makers is that risk rating of health insurance premiums makes health insurance unaffordable to high risks due to the high premiums for coverage they face in competitive health insurance markets. If this is true, the affordability of health insurance among high risks may be an important contributor to the large number of uninsured in the U.S. In this pape...

crop insurance is a main tool for coping up with different adversities in farming. the purpose followed in this study was to identify the major motivating and determinant factors of re-purchase of crop insurance by and among already insured farmers. survey research and multi sectional sampling procedures employed used to select farmers. the sample consisted of two groups of farmers: 1) currentl...

This paper analyzes the political support for a public insurance in the presence of a private insurance alternative. The public insurance is compulsory and offers a uniform insurance policy. The private insurance is voluntary and can offer different insurance policies to different individual risks. We show that adverse selection on the private insurance market can lead a majority of individuals...

Background It has been 20 years since the introduction of health insurance in Sudan. This study was the first one that explored health insurance services in Sudan from the perspectives of the insurers. Methods This was a qualitative, exploratory, interview study. The sampling frame was the list of Social Health Insurance and Private Health Insurance institutions in Sudan. Participants were se...

this paper talks about the measurement of efficiency and productivity of non-life insurance firms in india. this study is focused on twelve private non-life insurance firms and four public sector non-life insurance firms of india in the period 2008-09 to 2012-13. data envelopment analysis (dea) coupled with malmquist productivity index is used in measuring the efficiency as well as productivity...