Insurance Premium Rate Review: Assessing the Industry’s Response and the Effect on Premiums Across States


In an attempt to lower the rate of growth in health insurance premiums, the Affordable Care Act requires insurers in the individual and small-group markets to report and justify their proposals for premium increases of 10 percent or more. States with federally approved rate review programs, or the federal government itself, review the proposed increases, determine whether they are justified, and post the information on a public federal website, regardless of the outcome of the review. The project team will take advantage of this unprecedented uniform collection of information on premiums to: examine the size of proposed rate increases across states and their relationship to insurer characteristics; insurers’ justifications; and the outcomes of the regulatory review process. The findings will inform regulators, policymakers, and the public about state variation in premium growth, the effects of rate review on premiums, and, in future years, how the health reform law and insurance market changes are affecting premiums.

Grant Details

Grantee Organization:
Wake Forest University Health Sciences
Principal Investigator:
Mark A. Hall, J.D.
Award Amount:
Approval Date:
April 9, 2013
Related Topics
Health Care Coverage

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