Hall Mark A, McCue Michael J
Wake Forest University.
Department of Health Administration, School of Allied Health Professions, Virginia Commonwealth University.
Issue Brief (Commonw Fund). 2016 Jul;18:1-14.
Starting in 2014, the Affordable Care Act transformed the market for individual health insurance by changing how insurance is sold and by subsidizing coverage for millions of new purchasers. Insurers, who had no previous experience under these market conditions, competed actively but faced uncertainty in how to price their products. This issue brief uses newly available data to understand how health insurers fared financially during the ACA's first year of full reforms. Overall, health insurers' financial performance began to show some strain in 2014, but the ACA's reinsurance program substantially buffered the negative effects for most insurers. Although a quarter of insurers did substantially worse than others, experience under the new market rules could improve the accuracy of pricing decisions in subsequent years.
从2014年开始，《平价医疗法案》通过改变保险销售方式以及为数百万新购买者提供保险补贴，改变了个人健康保险市场。此前没有在这些市场条件下运营经验的保险公司积极参与竞争，但在如何为其产品定价方面面临不确定性。本问题简报利用最新可得数据，来了解在《平价医疗法案》全面改革的第一年里，健康保险公司的财务状况如何。总体而言，健康保险公司的财务表现在2014年开始出现一些压力，但《平价医疗法案》的再保险计划在很大程度上缓冲了对大多数保险公司的负面影响。尽管四分之一的保险公司表现明显逊于其他公司，但新市场规则下的经验可能会提高后续年份定价决策的准确性。
