Effects of Implementing State Insurance Market Reform, 2011-2012. Study Objectives and Research Questions


This study is, in many ways, a follow-up to a previous study, Trends in Premiums in the Small Group and Individual Insurance Markets, 2008-2011, (referred to as Trends study), in which NORC used multiple modes of data collection to assess the state of the individual and small group insurance markets prior to implementation of the ACA. Data quality, particularly for the beginning of the study period, was problematic, and this follow-up study has leveraged lessons learned to improve transparency and replicability. In the current study, ASPE has asked NORC to track the trends in premium increases between 2011 and 2012. This period covers the eight months before the implementation of the Rate Review Program as well as the 16 months after its implementation in order to capture information on potential impacts of the reform program. NORC has analyzed these data to describe how premium increases vary by state and type of insurance products as well as how premium increases have changed over time. NORC also looked at the trends in premium requests being modified or denied and the overall transparency of rate information for the years 2011 and 2012. Specific research questions included:

  • How have rates of premium increases changed over time?
  • How do premium increases vary by type of insurance product and by state?
  • What percentage of premium requests have been denied or modified?
  • What are state trends in premium increases?
  • How has the transparency of rate premium increases changed over time?

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"20130607InsMktReformReportFnl.pdf" (pdf, 1.46Mb)

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