Gruber Jonathan
Issue Brief (Commonw Fund). 2014 Jun;11:1-12.
Before we can evaluate the impact of the Affordable Care Act on health insurance premiums in the individual market, it is critical to understand the pricing trends of these premiums before the implementation of the law. Using rates of increase in the individual insurance market collected from state regulators, this issue brief documents trends in premium growth in the pre-ACA period. From 2008 to 2010, premiums grew by 10 percent or more per year. This growth was also highly variable across states, and even more variable across insurance plans within states. The study suggests that evaluating trends in premiums requires looking across a broad array of states and plans, and that policymakers must examine how present and future changes in premium rates compare with the more than 10 percent per year premium increases in the years preceding health reform.
在我们评估《平价医疗法案》对个人市场医疗保险保费的影响之前，了解该法案实施前这些保费的定价趋势至关重要。利用从州监管机构收集的个人保险市场增长率数据，本问题简报记录了《平价医疗法案》实施前保费增长的趋势。2008年至2010年，保费每年增长10%或更多。这种增长在各州之间也存在很大差异，在各州内的保险计划之间差异更大。该研究表明，评估保费趋势需要考察众多州和计划，而且政策制定者必须审视当前和未来的保费费率变化与医疗改革前几年每年超过10%的保费增长相比情况如何。
