Kaiser Family Foundation
"With the second open enrollment period of the health insurance marketplaces approaching, this analysis provides an initial look at premium changes for marketplace plans for individuals in 15 states and the District of Columbia that have publicly released comprehensive data on rates or rate filings for all insurers.
The analysis examines premium changes for the lowest-cost bronze plan and the two lowest-cost silver plans in 16 major cities. The second-lowest cost silver plan in each state is of particular interest as it acts as a benchmark that helps determine how much assistance eligible individuals can receive in the form of federal tax credits. The findings show that in general, individuals will pay slightly less to enroll in the second-lowest cost plan in 2015 than they did in 2014, prior to the application of tax credits."
Edmund F. Haislmaier, Robert E. Moffit, Ph.D., Nina Owcharenko and Alyene Senger, The Heritage Foundation
"The need for health care reform has never been questioned by health care policy analysts on either side of the political spectrum. Furthermore, the broad goals of controlling costs, improving quality, and expanding access are widely shared. Yet, while both sides agree that reform is necessary, the policy solutions differ dramatically, most importantly on the question of who controls the key decisions in health care. During the public campaign in support of President Obama’s health plan, the President made numerous promises to the American people about the law’s effect on everyday Americans. Four years into its implementation, it is growing ever apparent that these promises have all but vanished. Four Heritage Foundation health policy experts detail the five main promises that President Obama broke, and present a fresh way for sustainable and patient-centered, market-based health care reform."
Bianca DiJulio, Mira Norton, Mollyann Brodie, Elizabeth Wilner and Mitchell West, Kaiser Family Foundation
"Since the passage of the Affordable Care Act (ACA) in 2010, the law has been an often potent and divisive political issue, and has sparked an unprecedented amount of political and campaign advertising, particularly from candidates and groups that oppose the law. According to Kantar Media’s Campaign Media Analysis Group (CMAG), no other federal program or policy has resulted in the kind of advertising the ACA has caused, namely the combination of new insurance “product” advertising and sustained political advertising across multiple election cycles."
Conor Ryan, American Action Forum
"Using data on household income and health insurance coverage maintained by the Census Bureau and McKinsey estimates on previously uninsured households enrolled through the Health Insurance Marketplace, the American Action Forum was able to construct state-level estimates of individual mandate payments. After accounting for exemptions, AAF estimates that 5.2 million people will be subject to the individual mandate penalty for being uninsured in 2014 and will pay a total of $5.8 billion in additional taxes. The AAF estimates include the exemptions for unauthorized immigrants, households that do not file income taxes, households that earn less than 138 percent of the federal poverty level, and households that cannot purchase a Bronze plan with 8 percent of household income, but do not attempt to project how many households may apply for one of the many hardship exemptions."
Brittany LaCouture, American Action Forum
"At the heart of Halbig v. Burwell and the series of cases that are following it through the federal court system is an attempt to understand what state and federal legislators were thinking last year, two years ago, even four years ago when the Affordable Care Act (ACA) passed. While many experts and lawyers in this case have hypothesized about Congress’ intent, contrary to the claims of the Government, at least one establishing and one non-establishing state understood the language of the statute to condition subsidies on state establishment of Exchanges when they made their determination on whether to establish an Exchange. Furthermore, this understanding was timely in the chronology of ACA implementation."
Rachel Grob and Mark Schlesinger and Karen Pollitz and Lori Grubstein, Kaiser Family Foundation
"During the Patient Protection and Affordable Care Act’s first period of open enrollment October 2013 – March 2014, an estimated fourteen million people enrolled for health coverage through the new private insurance Marketplaces (8 million) and through Medicaid (6 million). To facilitate this substantial volume of enrollment and enrollment-related activities, approximately 4,400 Marketplace Assister Programs employing more than 28,000 full time-equivalent staff and volunteers served consumers nationwide. All Assister Programs were expected to help consumers understand their coverage options, apply for financial assistance, and enroll (see Appendix 1).
Matthew Rae and Gary Claxton and Larry Levitt, Kaiser Family Foundation
"The launch of the Affordable Care Act has focused attention on the idea of a health insurance exchange, or marketplace. Separate from the ACA, private exchanges have also started to emerge as an option for employers providing coverage to their workers. This report identifies the different types of private exchanges as well as projects the potential size of the private exchange market, which has the potential to reshape the employer-sponsored health insurance landscape, in the coming years.
Through interviews with representatives of more than fifteen private health insurance enrollment platforms as well as several employers and health plans moving in this direction, this report examines important implications in this quickly-growing landscape, including the potential for cost stability to employers and more choice among health plans for consumers."
MaryBeth Musumeci and Laurie Sobel , Kaiser Family Foundation
"Since the Affordable Care Act’s (ACA) passage, a number of lawsuits have been filed challenging various provisions of the law. The Supreme Court has decided cases about the constitutionality of the ACA’s individual mandate and Medicaid expansion as well as the applicability of the contraceptive coverage requirement to closely held for-profit corporations with religious objections. In addition, several cases challenging the availability of premium subsidies in the Federally-Facilitated Marketplace (FFM) are currently progressing through the federal courts. All of this litigation has altered, or has the potential to alter, the way in which the ACA is implemented and consequently could affect the achievement of the law’s policy goals.
Ben Gitis, Conor Ryan, Sam Batkins, American Action Forum
"The ACA imposes several burdensome regulations that could potentially harm job and wage growth, including the employer mandate and requirements on the generosity of coverage. Under the ACA, employers with 50 or more full-time employees are required to provide health insurance for their workers or pay a fine. In addition, the ACA enforces rules that govern the type of insurance plans they can provide and restricts their options in choosing low-cost coverage. When employers are required to provide health insurance and their low-cost options are limited, costs will naturally rise and companies will be more responsive to changes in insurance premiums.
Kaiser Family Foundation
"The key findings from the survey, conducted from January through May 2014, include a modest increase in the average premiums for family coverage (3%). Single coverage premiums are 2% higher than in 2013, but the difference is not statistically significant. Covered workers generally face similar premium contributions and cost-sharing requirements in 2014 as they did in 2013. The percentage of firms (55%) which offer health benefits to at least some of their employees and the percentage of workers covered at those firms (62%) are statistically unchanged from 2013. The percentage of covered workers enrolled in grandfathered health plans – those plans exempt from many provisions of the Affordable Care Act (ACA) – declined to 26% of covered workers from 36% in 2013. Perhaps in response to new provisions of the ACA, the average length of the waiting period decreased for those with a waiting period and the percentage with an out-of-pocket limit increased.