Ticse Caroline
AcademyHealth, Changes in Health Care Financing and Organization.
Find Brief. 2015 Oct;42(7):1-3.
Key findings. (1) Adjusted premiums in the individual market in states with prior approval authority combined with loss ratio requirements were lower in 2010-2013 than premiums in states with no rate review authority or file-and-use regulations only. (2) Adjusted premiums declined modestly in prior approval states while premiums increased in states with no rate review authority or with file-and-use regulations only. (3) The findings suggest that states with prior approval authority and loss ratio requirements constrained increases in health insurance premiums.
主要发现。（1）2010 - 2013年期间，拥有事先批准权并结合赔付率要求的州，个人市场的调整后保费低于没有费率审查权或仅有备案使用规定的州的保费。（2）事先批准州的调整后保费略有下降，而没有费率审查权或仅有备案使用规定的州的保费则有所上升。（3）研究结果表明，拥有事先批准权和赔付率要求的州抑制了医疗保险保费的上涨。
