Department of Radiology, University of Pennsylvania, Philadelphia, Pennsylvania 19104, USA.
J Am Coll Radiol. 2012 Dec;9(12):871-6. doi: 10.1016/j.jacr.2012.09.008.
The Patient Protection and Affordable Care Act is a comprehensive and multipronged reform of the US health care system. The legislation makes incremental changes to Medicare, Medicaid, and the market for employer-sponsored health insurance. However, it makes substantial changes to the market for individual and small-group health insurance. The purpose of this article is to introduce the key regulatory reforms in the market for individual and small-group health insurance and explain how these reforms tackle adverse selection and risk classification and improve access to health care for the hitherto uninsured or underinsured population.
《患者保护与平价医疗法案》是美国医疗保健系统的一项全面、多管齐下的改革。该立法对医疗保险、医疗补助和雇主提供的健康保险市场进行了渐进式改革。然而，它对个人和小团体健康保险市场进行了重大改革。本文的目的是介绍个人和小团体健康保险市场的主要监管改革，并解释这些改革如何解决逆向选择和风险分类问题，以及如何改善迄今未参保或参保不足人群的医疗保健服务可及性。
