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Clearing Up Confusion About Health Reform’s Out-of-Pocket Protections

August 13, 2013

Recent media coverage may have sown confusion about health reform’s requirement that health insurance plans cap how much consumers can pay out-of-pocket each year for medical care.  The bottom line: for many plans, the protections will take effect as scheduled in 2014...

Many Low-Income Floridians Eligible for Help Paying Health Insurance Premiums

August 1, 2013

Florida’s announcement this week of its proposed 2014 health insurance rates for its individual insurance market garnered plenty of attention.  But, it’s also worth noting that, under health reform, many low- and moderate-income...

Don’t Be Misled: Indiana’s Consumers Won’t Have to Pay $500 a Month for Health Insurance

July 23, 2013

Anyone who saw Indiana’s release of individual-market health insurance rates for 2014 might now have the misimpression that people there will have to pay an average of more than $500 per month in premiums to get coverage in the individual market in 2014.

But this figure,...

Expected Drop in New York Health Insurance Premiums Highlights Importance of Individual Mandate

July 17, 2013

New Yorkers in need of health insurance just got some good news.

New York State announced that people shopping in the state’s individual insurance market will see average premium rates cut by more than half next year.  The actual prices that many people will pay will be even lower, because these rates don’t account for...

Subsidies Will Help Low- and Moderate-Income People Afford Health Coverage

May 24, 2013

Insurers have begun to submit, to states, the rates they want to charge for coverage in 2014, and their proposals show that the new, federally financed premium subsidies that health reform will make available in 2014 will help reduce what low- and moderate-income people will have to pay for coverage.  In many cases, the...

Fears of Widespread “Rate Shock” Unfounded

May 20, 2013

A House subcommittee is putting health reform in the hot seat again today, when it holds a hearing on the “looming premium rate shock” that health insurers have warned about.  But widespread rate shock...

Not Much “Shock” in CareFirst’s Proposed 2014 Maryland Health Insurance Rates

April 25, 2013

Health insurers are starting to submit, for state review, their premium rates for the coverage they will offer in the individual and small group markets next year, when the major components of health reform take effect.  The latest batch comes from Maryland, where the largest insurer, CareFirst, has asked the state for a 25 percent average rate increase for its 2014 individual-market plans...

New Study Makes Headlines About “Rate Shock” But Sows Confusion

April 10, 2013

As we recently noted, claims of “rate shock” from health reform’s changes to the health insurance markets are overblown.  But a new report has generated considerable attention to this issue again, with health...

Claim About Health Reform “Rate Shock” Is “Unfounded,” Urban Analysis Finds

March 25, 2013

The insurance industry and its allies warn that health reform’s limit on how much more insurers can charge older people than younger people for coverage will make individual insurance much more expensive for young adults.  But a new Urban Institute ...

New Tax Credits Blunt Insurance Premium Increases for Young Adults

February 7, 2013

Insurance companies are urging the federal government to delay or loosen a requirement in health reform that they charge older people no more than triple the premium that they charge younger people for the same plan.  Their main argument is that some young, healthy people will see big premium...