title: What's behind health insurance rate increases? an examination of what insurers reported to the federal government in 2012-2013.
abstract: The Affordable Care Act requires health insurers to justify rate increases of 10 percent or more for nongrandfathered plans in the individual and small-group markets. Analyzing these filings for rates taking effect from mid-2012 through mid-2013, insurers attributed the great bulk--three-quarters or more--of these larger rate increases to routine factors such as trends in medical costs. Insurers attributed only a very small portion of these medical cost trends to factors related to the Affordable Care Act. The ACA-related factor mentioned most often, but only in a third of the rate filings in this study, was the requirement to cover women's preventive and contraceptive services without patient cost-sharing. But, the insurers who point to this requirement or other ACA-related costs attributed only about 1 percentage point of their rate increases to the health reform law.
authors.forename: Michael J
authors.initials: MJ
authors.lastname: McCue
authors.forename: Mark A
authors.initials: MA
authors.lastname: Hall
mesh_terms: D005544:Forecasting; D017048:Health Care Costs / Q000331:legislation & jurisprudence / Q000639:trends*; D006801:Humans; D007348:Insurance, Health / Q000191:economics* / Q000639:trends; D058991:Patient Protection and Affordable Care Act / Q000191:economics*; D011907:Rate Setting and Review / Q000331:legislation & jurisprudence / Q000639:trends; D014481:United States