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States Look to Reinsurance to Lower Health Insurance Costs
Haley Nicholson1, Abbie Gruwell1
1National Conference of State Legislatures.
NCSL Legisbrief
|December 19, 2018
Summary
States can use Affordable Care Act (ACA) reinsurance waivers to lower health insurance costs. Seven states have successfully implemented these programs, reducing premiums by up to 20% annually.
Area of Science:
- Health Policy
- Health Insurance Economics
Background:
- The individual health insurance market serves over 10 million individuals.
- Affordable Care Act (ACA) Section 1332 allows for state-specific waivers.
- Reinsurance programs aim to stabilize premiums and improve affordability.
Purpose of the Study:
- To evaluate the effectiveness of state-led reinsurance waivers under ACA Section 1332.
- To assess the impact of reinsurance programs on health insurance premiums and state costs.
Main Methods:
- Analysis of state-level data from states implementing ACA Section 1332 reinsurance waivers.
- Comparison of premium trends in states with and without reinsurance programs.
Main Results:
- Seven states have successfully implemented reinsurance programs.
- These programs have been adopted at minimal cost to the states.
- Reinsurance waivers have led to annual premium reductions of up to 20%.
Conclusions:
- ACA Section 1332 reinsurance waivers are an effective tool for increasing health insurance affordability.
- State-level innovation through waivers can yield significant cost savings for consumers.
- The minimal cost to states makes reinsurance programs a sustainable policy option.
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