Rao Preethi, Girosi Federico, Eibner Christine
Rand Health Q. 2024 Jun 3;11(3):2. eCollection 2024 Jun.
Starting in 2026, Minnesota could experience disruptions to its health insurance marketplace caused by the anticipated sunset of federal premium subsidy enhancements, made available through the Inflation Reduction Act of 2022, as well as the expiration of state funding for its reinsurance program. With reduced premium subsidies, fewer people might enroll in marketplace plans, which could lead to higher premiums and market instability. The expiration of reinsurance, which partially offsets insurers' claims costs for people with high expenditures, could exacerbate these issues. In this study, researchers estimate the effects of implementing state-funded subsidies to bolster Minnesota's marketplace given these anticipated changes. They also study the impact of replacing the state's Basic Health Program with a similarly structured marketplace plan. The policy reforms that researchers consider were developed by the Minnesota Council of Health Plans and share similar goals with legislation recently proposed by Minnesota policymakers, such as HF 96, a bill authorizing study of a public option that also proposed to temporarily enhance marketplace subsidies.
从2026年开始，明尼苏达州的医疗保险市场可能会受到干扰，这是由于预计通过2022年《降低通胀法案》提供的联邦保费补贴增强措施将到期，以及该州再保险计划的州资金到期。随着保费补贴减少，可能会有更少的人注册参加市场计划，这可能导致保费上涨和市场不稳定。再保险的到期，部分抵消了保险公司为高支出人群承担的理赔成本，可能会加剧这些问题。在本研究中，研究人员估计了在这些预期变化的情况下实施州资助补贴以支持明尼苏达州市场的影响。他们还研究了用结构类似的市场计划取代该州基本健康计划的影响。研究人员考虑的政策改革由明尼苏达州健康计划委员会制定，与明尼苏达州政策制定者最近提出的立法有类似目标，如HF 96，一项授权研究公共选择方案的法案，该法案还提议临时增加市场补贴。
