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Drivers of 2020 Health Insurance Premium Changes (PDF)
American Academy of Actuaries Link to more items from this source
June 27, 2019
"Key drivers of 2020 premium changes include: [1] Medical trend, which is the underlying growth in health care costs; [2] Recent and ongoing policy changes regarding the expanded availability of short-term limited duration plans, association health plans, and health reimbursement arrangements, as well as the elimination of the individual mandate penalty; [3] Incorporation of projected risk adjustment data validation audit adjustments into 2020 premiums and any adjustments to assumptions used to build the cost of cost-sharing reduction subsidies into premiums; [4] State actions to implement reinsurance programs, impose individual mandate penalties, or enact rules that would facilitate or prohibit the availability of alternative coverage options; and [5] The reinstatement of the health insurance provider fee."

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