title: Implementing the Affordable Care Act: state action to reform the individual health insurance market.
abstract: The Affordable Care Act contains numerous consumer protections designed to remedy shortcomings in the availability, affordability, adequacy, and transparency of individual market insurance. However, because states remain the primary regulators of health insurance and have considerable flexibility over implementation of the law, consumers are likely to experience some of the new protections differently, depending on where they live. This brief explores how federal reforms are shaping standards for individual insurance and exam­ines specific areas in which states have flexibility when implementing the new protections. We find that consumers nationwide will enjoy improved protections in each area targeted by the reforms. Further, some states already have embraced the opportunity to customize their markets by implementing consumer protec­tions that exceed minimum federal requirements. States likely will continue to adjust their market rules as policymakers gain a greater understanding of how reform is working for consumers.
authors: Center on Health Insurance Reforms, Georgetown University Health Policy Institute.
authors: Justin
authors: J
authors: Giovannelli
authors: Kevin W
authors: KW
authors: Lucia
authors: Sabrina
authors: S
authors: Corlette
mesh_terms: D003254:Consumer Advocacy / Q000191:economics / Q000331:legislation & jurisprudence*; D005382:Financing, Personal; D033161:Government Regulation; D018166:Health Care Reform / Q000331:legislation & jurisprudence*; D006801:Humans; D019458:Insurance Coverage / Q000191:economics / Q000331:legislation & jurisprudence* / Q000592:standards; D007348:Insurance, Health / Q000191:economics / Q000331:legislation & jurisprudence* / Q000592:standards; D058991:Patient Protection and Affordable Care Act / Q000458:organization & administration*; D013219:State Government; D014481:United States