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来源类型 | Research Report |
规范类型 | 报告 |
Views From the Market: Insurance Brokers’ Perspectives on Changes to Individual Health Insurance | |
Kevin Lucia; Sabrina Corlette; Dania Palanker; Olivia Hoppe | |
发表日期 | 2018-08-15 |
出版年 | 2018 |
语种 | 英语 |
概述 | The Affordable Care Act (ACA) ushered in a range of consumer protections designed to make it easier for individuals to obtain affordable, adequate health insurance in the individual market. In many states, however, individual market consumers have faced increasingly limited plan choices, relatively narrow provider networks, and rising unsubsidized premiums. In the past year, policy decisions made by Congress and |
摘要 | The Affordable Care Act (ACA) ushered in a range of consumer protections designed to make it easier for individuals to obtain affordable, adequate health insurance in the individual market. In many states, however, individual market consumers have faced increasingly limited plan choices, relatively narrow provider networks, and rising unsubsidized premiums. In the past year, policy decisions made by Congress and the Trump administration have exacerbated trends.
In this brief, we examine brokers’ evolving role in the individual market, consumer purchasing decisions, and brokers’ observations about how the market and consumers are responding to recent federal policy adjustments to the ACA. Overall, alternative coverage options are being marketed to people who are ineligible for subsidies and looking for less expensive coverage. With the loss of the individual mandate, many brokers expect these markets will grow, particularly for short-term plans and association health plans, in the wake of federal regulations designed to expand their sale. At the same time, the marketing of other alternative products to brokers, including health care sharing ministries and direct primary care arrangements, is increasing. Consequently, the individual health insurance market is expected to become smaller and sicker.
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主题 | Health and Health Policy |
URL | https://www.urban.org/research/publication/views-market-insurance-brokers-perspectives-changes-individual-health-insurance |
来源智库 | Urban Institute (United States) |
资源类型 | 智库出版物 |
条目标识符 | http://119.78.100.153/handle/2XGU8XDN/480284 |
推荐引用方式 GB/T 7714 | Kevin Lucia,Sabrina Corlette,Dania Palanker,等. Views From the Market: Insurance Brokers’ Perspectives on Changes to Individual Health Insurance. 2018. |
条目包含的文件 | ||||||
文件名称/大小 | 资源类型 | 版本类型 | 开放类型 | 使用许可 | ||
2001949-views-from-t(344KB) | 智库出版物 | 限制开放 | CC BY-NC-SA | 浏览 |
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