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More Insurers Lower Premiums: Evidence from Initial Pricing in the Health Insurance Marketplaces
National Bureau of Economic Research [NBER] Link to more items from this source
May 19, 2014
"There are 3.9 participants, on (population-weighted) average, in the 395 ratings areas spanning the 34 states with federally facilitated marketplaces (FFMs). Using data on the plans offered in the FFMs, together with predicted market shares for exchange participants (estimated using 2011 insurer-state market shares in the individual insurance market), [the authors] study the impact of competition on premiums.... [They] estimate that United's nonparticipation decision raised the second-lowest-price silver premium (which is directly linked to federal subsidies) by 5.4 percent, on average. If all insurers active in each state's individual insurance market in 2011 had participated in all ratings areas in that state's HIM, [the authors] estimate this key premium would be 11.1% lower and 2014 federal subsidies would be reduced by $1.7 billion."

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