MPC Member Publications

This database contains a listing of population studies publications written by MPC Members. Anyone can add a publication by an MPC student, faculty, or staff member to this database; new citations will be reviewed and approved by MPC administrators.

Full Citation

Title: Georgia's Reinsurance Waiver Associated With Decreased Premium Affordability And Enrollment

Citation Type: Journal Article

Publication Year: 2024

ISSN: 15445208

DOI: 10.1377/HLTHAFF.2023.00971/ASSET/IMAGES/LARGE/FIGUREEX4.JPEG

PMID: 38437604

Abstract: Sixteen states have used Section 1332 waivers to implement reinsurance programs that aim to reduce premiums and increase enrollment in the Affordable Care Act's health insurance Marketplaces. Although reinsurance programs have successfully reduced premiums for unsubsidized enrollees, little is known about how reinsurance affects Marketplace premiums, minimum cost of coverage, and enrollment for the large majority of Marketplace enrollees who receive premium subsidies. Using a difference-in-differences analysis of matched counties straddling Georgia's borders to examine Georgia's 2022 implementation of its reinsurance program, we found that reinsurance increased the minimum cost of enrolling in subsidized Marketplace coverage by approximately 30 percent and decreased enrollment by roughly a third for Marketplace enrollees with incomes of 251-400 percent of the federal poverty level. Marketplace reinsurance programs may have the unintended consequences of increasing the minimum cost of subsidized coverage and reducing enrollment. These outcomes are especially relevant in the present policy context of enhanced subsidies, which have substantially reduced the number of unsubsidized enrollees who would benefit most from reinsurance.

User Submitted?: No

Authors: Anderson, David M.; Golberstein, Ezra; Drake, Coleman

Periodical (Full): Health affairs (Project Hope)

Issue: 3

Volume: 43

Pages: 398-407

Countries:

IPUMS NHGIS NAPP IHIS ATUS Terrapop