Analysis of Changes in the Affordable Care Act Marketplaces, 2016–17

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In previous phases of this project, Jon Gabel’s research team at NORC built and analyzed a comprehensive national database of health plans sold in the Affordable Care Act’s health insurance marketplaces, with information on premiums, deductibles, coinsurance, copayments, and out-of-pocket limits for 2014, 2015, and 2016. Findings have helped inform policymakers and the media about ACA marketplace stability, affordability, and competitiveness. Using a recently available data set from the Robert Wood Johnson Foundation (RWJF), this project will focus less on data collection and more on assessing changes in the individual and small-group markets. The RWJF database contains detailed information on all marketplace plans sold since 2014, allowing year-to-year comparisons of premiums, benefits, and carrier participation. Additional data sources will provide information about rating areas and corporate ownership of individual insurance carriers. In this phase of the project, the NORC team will update its analysis of cost-sharing in marketplace plans and examine trends in cost-reduced plans for low- and moderate-income enrollees that are at risk under the House v. Burwell case. The team will also analyze differences in premium growth for offered plans versus purchased plans in states where 2016–17 plan enrollment data are available. This research will inform policymakers, the media, and consumers on changes in marketplace costs, benefit design, and competition among insurers, bringing methodologically rigorous analysis to the ongoing debate over marketplace stability and plan affordability.

Grant Details

Grantee Organization:
National Opinion Research Center
Principal Investigator:
Jon Gabel, M.A.
Award Amount:
$198,772.00
Approval Date:
July 13, 2016

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