McCue Michael J, Hall Mark A
Department of Health Administration, School of Allied Health Professions, Virginia Commonwealth University.
Issue Brief (Commonw Fund). 2015 Jan;3:1-5.
The Affordable Care Act requires health insurers to justify rate increases that are 10 percent or more for nongrandfathered plans in the individual and small-group markets. Analyzing these filings for renewals taking effect from mid-2013 through mid-2014, this brief finds that the average rate increase submitted for review was 13 percent. Insurers attributed the great bulk of these larger rate increases to routine factors such as trends in medical costs. Most insurers did not attribute any portion of these medical cost trends to factors related to the Affordable Care Act. The ACA-related factors mentioned most often were nonmedical: the new federal taxes on insurers, and the fee for the transitional reinsurance program. On average, insurers that quantified any ACA impact attributed about a third of their larger rate increases to these new ACA assessments.
《平价医疗法案》要求健康保险公司对个人和小团体市场中非祖父条款计划10%或更高的费率上调做出解释。通过分析2013年年中至2014年年中生效的续保申请文件，本简报发现提交审核的平均费率上调幅度为13%。保险公司将这些较大幅度的费率上调大部分归因于常规因素，如医疗成本趋势。大多数保险公司并未将这些医疗成本趋势的任何部分归因于与《平价医疗法案》相关的因素。最常被提及的与《平价医疗法案》相关的因素是非医疗方面的：对保险公司征收的新联邦税，以及过渡性再保险计划的费用。平均而言，对《平价医疗法案》的任何影响进行量化的保险公司将其较大幅度费率上调的约三分之一归因于这些新的《平价医疗法案》评估。
