7.5 million persons selecting a plan … On Thursday the Administration announced a revised enrollment estimate of 7.5 million persons for the Affordable Care Act’s (ACA) health insurance exchanges (HIEs).…
Summary and Conclusion Hospitals’ provisions for doubtful accounts have been rising (Exhibit 1); we believe this is in large part due to falling collection rates on the self-pay portion of…
The age-mix of health insurance exchange (HIE) enrollees (Exhibit 1, green columns) skews older than the age-mix we believe is necessary (Exhibit 1, grey columns) to avoid adverse selection, i.e.…
Health insurance exchange (HIE) enrollment levels through December 28 remain quite low. States operating their own exchanges enrolled 1.0M persons, equivalent to 7.4% of these states’ adjusted uninsured populations (Exhibit…
What enrollment patterns are required for premiums to meet or exceed claims paid on the health insurance exchanges (HIEs), and can we reasonably expect these patterns to emerge? We showed…
Summary To better understand how the Affordable Care Act (ACA) may have affected price / value relationships in the market for individually purchased coverage, we’ve compared premiums (by age), deductibles,…
Price : Quantity relationships in the employer sponsored (ESI) market To estimate price elasticity of demand for health insurance in the employer sponsored (ESI) market, we define the price of…