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Implementing the ACA: State Approaches to Premium Rate Reforms in the Individual Health Insurance Market
The Commonwealth FundLink to more items from this source
Jan. 5, 2015

"The [ACA] protects people from being charged more for insurance based on factors like medical history or gender and establishes new limits on how insurers can adjust premiums for age, tobacco use, and geography. This brief examines how states have implemented these federal reforms in their individual health insurance markets.... Interviews with state regulators reveal that many states pursued implementation strategies intended primarily to minimize market disruption and premium shock and therefore established standards as consistent as possible with existing rules or market practice. Meanwhile, some states used the transition period to strengthen consumer protections, particularly with respect to tobacco rating."

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