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Did the Affordable Care Act's dependent coverage mandate increase premiums?
1Louisiana State University, United States.
Journal of Health Economics
|February 4, 2015
Summary
The Affordable Care Act
Area of Science:
- Health economics
- Public health policy
- Insurance market analysis
Background:
- The Affordable Care Act (ACA) expanded health insurance coverage options.
- A key provision allowed young adults to stay on parent's plans until age 26.
Purpose of the Study:
- To quantify the effect of the ACA's dependent coverage mandate on private health insurance premiums.
- To determine if employers fully transferred premium increases to employees.
Main Methods:
- Comparative analysis of insurance premiums before and after the mandate.
- Statistical modeling to isolate the mandate's impact on premiums.
- Examination of employer contribution data.
Main Results:
- A 2.5-2.8% increase in premiums for family-coverage plans compared to single-coverage plans.
- Evidence suggests employers did not pass the full premium increase onto employees.
Conclusions:
- The dependent coverage mandate led to a modest increase in health insurance premiums.
- Employers absorbed a portion of the increased premium costs, mitigating the financial burden on employees.
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