Health Insurance Premium Increases in the Individual Market Since the Passage of the Affordable Care Act. Endnotes

02/22/2013

[1]Rate review applies to all non-grandfathered plans.

[2] “Quantifying the Effects of Health Insurance Rate Review”. Kaiser Family Foundation 2012. (Accessed at http://www.kff.org/healthreform/8376.cfm.)

[3] “2012 Annual rate Review Report: Rate Review Saves Estimated $1 Billion for Consumers”, Department of Health and Human Services, 2012. (Accessed at http://www.healthcare.gov/news/reports/rate-review09112012a.html.)

[4] “Medical Expenditure Panel Survey — Insurance Component (MEPS-IC). Department of Health and Human Services. (Accessed at http://meps.ahrq.gov/mepsweb/survey_comp/Insurance.jsp.)

[5] Similarly, the proportion of policyholders enrolled in policies with rate requests of 10 percent or more decreased from 69 percent in 2010 to 37 percent in 2012.

[6] As described in the Appendix, 2013 results are available for 10 states and include policies with approximately 35 percent of the policyholders in the 2012 analysis.

[7] Data from the MEPS-IC surveys show thatthe average increase in individual premiums per enrollee was 6.5 percent in 2009, 5.8 percent in 2010, and 5.7 percent in 2011. (Accessed at http://meps.ahrq.gov/mepsweb/survey_comp/Insurance.jsp.)

[8] 2012 Annual rate Review Report: Rate Review Saves Estimated $1 Billion for Consumers”, Department of Health and Human Services, 2012. (Accessed at http://www.healthcare.gov/news/reports/rate-review09112012a.html.)

[9] “Rate Review Grants”. Department of Health and Human Services. (Accessed at http://cciio.cms.gov/archive/grants/rate-review-grants-map.html.)

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