"A little-noticed provision of the health reform law will require health insurers and self-insured employers to fund a $20 billion reinsurance program over three years. The money, which must be paid to HHS beginning in 2014, will be used to offset risk in the individual market once health insurers are required to offer coverage to all applicants regardless of health status.... Benefits consultants estimate that insurers and self-funded employers could be required to pay between $60 and $100 per covered life. Insurers will likely pass the new costs onto individuals and employer clients in the form of higher premiums for their full-risk products."

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