The ACA re-organized the non-group market (into so-called Marketplaces in each state) with new rules requiring insurers to sell specific comprehensive benefit packages to all persons not eligible for public or affordable employer-based insurance, regardless of health status, at a common community rated price, AND requiring all to purchase while providing income-related premium and cost-sharing subsidies. These reforms all work as a package, which is why regulations which allow “escape” from the ACA Marketplaces are so dangerous to the stability of equilibrium. Which of the following rules proposed or enacted by the Trump Administration would NOT raise premiums in the Marketplace? a. Ending the individual mandate to purchase b. Ending the cost sharing subsidies c. Allowing limited-benefit and limited-duration plans to be sold outside the Marketplaces to the healthy only d. Allowing limited benefit plans to be sold inside the Marketplaces e. All of the above f. None of the above (they all would raise premiums inside the Marketplaces)
The ACA re-organized the non-group market (into so-called Marketplaces in each state) with new rules requiring insurers to sell specific comprehensive benefit packages to all persons not eligible for public or affordable employer-based insurance, regardless of health status, at a common community rated price, AND requiring all to purchase while providing income-related premium and cost-sharing subsidies. These reforms all work as a package, which is why regulations which allow “escape” from the ACA Marketplaces are so dangerous to the stability of equilibrium. Which of the following rules proposed or enacted by the Trump Administration would NOT raise premiums in the Marketplace?
| a. |
Ending the individual mandate to purchase |
|
| b. |
Ending the cost sharing subsidies |
|
| c. |
Allowing limited-benefit and limited-duration plans to be sold outside the Marketplaces to the healthy only |
|
| d. |
Allowing limited benefit plans to be sold inside the Marketplaces |
|
| e. |
All of the above |
|
| f. |
None of the above (they all would raise premiums inside the Marketplaces) |
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