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Premium Content: Employers

March 13, 2013  /  Insurers*, Premium Content

How will the Affordable Care Act impact Employers?  This assessment is one of the most extensive yet. docs.house.gov/…/HMTG-113-IF14-Wstate-BlumbergL-2013…  

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Premium Content: Insurance Premium Increases

March 8, 2013  /  Insurers*, Premium Content

Forecasts of a “rate shock” from implementation of the Affordable Care Act may be overblown. http://www.rwjf.org/content/dam/farm/reports/issue_briefs/2013/rwjf404637

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Premium Content: Medical Loss Ratio

December 5, 2012  /  Insurers*, Premium Content

Insurers’ Responses to Regulation of Medical Loss Ratios The Affordable Care Act’s medical loss ratio (MLR) rule requires health insurers to pay out at least 80 percent of premiums for medical claims and quality improvement, as opposed to administrative costs and profits. This issue brief examines whether insurers have reduced administrative costs and profit margins […]

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Premium Content: Employer Self-Insurance

November 28, 2012  /  Insurers*, Premium Content

Small Firm Self-Insurance Under the Affordable Care Act The Affordable Care Act (ACA) changes the small-group insurance market substantially beginning in 2014, but most changes do not apply to self-insured plans.  The decision of more employers electing to self-insure, to avoid provisions in the ACA, will influence costs in the private commercial risk market. www.commonwealthfund.org/…/Small-Firm-Self-Insurance.as… […]

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Premium Content: Medical Loss Ratio

September 18, 2012  /  Insurers*, Premium Content

Medical Loss Ratio Requirements: Congressional Research Service Review The 2010 Patient Protection and Affordable Care Act (ACA, P.L. 111-148, as amended) requires certain health insurers to provide rebates to their customers for each year that the insurers do not meet a set financial target called a medical loss ratio (MLR). Though a number of states […]

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Premium Content: Medical Loss Ratio

April 1, 2012  /  Insurers*, Premium Content

Estimating the Impact of the Medical Loss Ratio Rule: A State-by-State Analysis One of the most visible consumer protections in the Patient Protection and Affordable Care Act is the requirement that health insurers pay out at least 80 percent to 85 percent of premium dollars for medical care expenses. Insurers that pay out less than […]

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