The Impact of the Affordable Care Act on Insurance Prices and Enrollment Beyond 2014

The results of this study by professors of health finance from the University of Minnesota are rather startling and project that health insurance cost could continue to escalate despite the fact that the ACA was passed as a law that would bend the cost curve down. Two drivers for these increases appear to be the scheduled termination of the temporary reinsurance and risk corridor programs, which likely has been artificially depressing premiums.

Take a look at the below link which includes the national study as well as a 10 state impact analysis.  Using the 2014 enrollment report data and micro-simulation model funded by the U.S. Department of Health and Human Services, the professors estimate the national and state impact of the ACA on insurance prices and enrollment from 2015-2024.

http://www.washingtonpost.com/blogs/wonkblog/files/2014/05/ParenteAnalysis.pdf

Patrick Duke, Vice President-Employee Benefits

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