RESUMEN
The United States is the world's only developed country with a rising maternal mortality rate, with an increase of 26% between 2000 and 2014. Of the approximately 700 pregnancy-related deaths per year in the United States, nearly 30% are attributable to preexisting disease. Maternal-fetal medicine physicians are in a unique position-they are tasked with counseling patients regarding the risks of pregnancy in the context of their medical comorbidities. Individual physicians' opinions regarding the level of risk of death at which a termination of pregnancy would be considered "medically indicated" are highly variable and are influenced by where physicians are from, where they trained, and their knowledge regarding the safety of termination of pregnancy. Additionally, 43 states have legislated restrictions to abortion access that contain exceptions to protect women's life or health, but what constitutes a risk to a woman's life or health is not well-defined and appropriates medical terminology for political purposes. The current statements from the American College of Obstetricians and Gynecologists and the Society for Maternal-Fetal Medicine advocate for safe, legal, and unobstructed access to pregnancy termination services. These statements attempt to remove health care providers' own biases regarding the exact risk level at which they would consider an abortion to be medically indicated. Because the risk of death from a first- or second-trimester termination is less than that of a traditional delivery, any medical problem that increases that risk of death could be considered an indication for counseling patients regarding the option of termination of pregnancy as a means to reduce mortality or morbidity.
Asunto(s)
Aborto Terapéutico , Complicaciones del Embarazo , Ajuste de Riesgo , Aborto Terapéutico/legislación & jurisprudencia , Aborto Terapéutico/métodos , Aborto Terapéutico/estadística & datos numéricos , Comorbilidad , Femenino , Humanos , Mortalidad Materna/tendencias , Embarazo , Complicaciones del Embarazo/mortalidad , Complicaciones del Embarazo/terapia , Resultado del Embarazo/epidemiología , Embarazo de Alto Riesgo , Ajuste de Riesgo/legislación & jurisprudencia , Ajuste de Riesgo/métodos , Estados Unidos/epidemiologíaRESUMEN
BACKGROUND: Risk-adjustment in resource allocation is commonly used for regional redistribution or for eliminating risk selection motives of multiple statutory health insurers. In the Czech Republic, revenue redistribution between health insurers takes place since the 1990's. Since 2018, the risk-adjustment mechanism includes an adjustment for insured with chronic diseases using Pharmacy-based Cost Group (PCG) classification. In addition, retrospective compensation for very high cost patients has been strengthened. AIM: To provide an internationally relevant overview of the Czech risk-adjustment system. To assess the implication of the 2018 reform for health insurers and for the development of chronic care. METHOD: The framework of the Health Reform Monitor is used to analyse the policy process. Data from Czech health insurers and Czech Ministry of Health are used to assess likely impact of the reform. RESULTS: The reform increases coverage of predictable individual health risks and combines prospective risk-rating with strengthened retrospective risk-sharing among insurers. The reform results in moderate changes in risk-adjusted allocations of individual insurers. CONCLUSION: The Czech experience with risk-adjustment reforms is relevant for countries with multiple health insurers as well as for countries with risk-adjusted regional redistribution mechanisms. Combining prospective risk factors of age, sex, and PCGs with retrospective compensation of expensive cases limits potential losses to a manageable level, also for small risk-pools. It reduces incentives for cream skimming based on health status, enables higher use of risk-sharing contracts, and incentivizes the development of disease management programs in the Czech Republic.
Asunto(s)
Seguro de Salud/economía , Seguro de Salud/organización & administración , Ajuste de Riesgo/legislación & jurisprudencia , Enfermedad Crónica/tratamiento farmacológico , Enfermedad Crónica/economía , República Checa , Utilización de Medicamentos/economía , Reforma de la Atención de Salud , Humanos , Aseguradoras/economía , Aseguradoras/legislación & jurisprudencia , Ajuste de Riesgo/métodos , Prorrateo de Riesgo Financiero/economía , Prorrateo de Riesgo Financiero/legislación & jurisprudenciaAsunto(s)
Control de Medicamentos y Narcóticos , Complicaciones del Embarazo/tratamiento farmacológico , Ajuste de Riesgo , Estado Epiléptico/tratamiento farmacológico , Ácido Valproico/farmacología , Anomalías Inducidas por Medicamentos/etiología , Anomalías Inducidas por Medicamentos/prevención & control , Anticonvulsivantes/farmacología , Europa (Continente) , Femenino , Humanos , Embarazo , Ajuste de Riesgo/ética , Ajuste de Riesgo/legislación & jurisprudencia , Ajuste de Riesgo/métodos , Teratógenos/farmacologíaRESUMEN
This final rule with comment period updates the home health prospective payment system (HH PPS) payment rates, including the national, standardized 60-day episode payment rates, the national per- visit rates, and the non-routine medical supply (NRS) conversion factor, effective for home health episodes of care ending on or after January 1, 2019. This rule also: Updates the HH PPS case-mix weights for calendar year (CY) 2019 using the most current, complete data available at the time of rulemaking; discusses our efforts to monitor the potential impacts of the rebasing adjustments that were implemented in CYs 2014 through 2017; finalizes a rebasing of the HH market basket (which includes a decrease in the labor-related share); finalizes the methodology used to determine rural add-on payments for CYs 2019 through 2022, as required by section 50208 of the Bipartisan Budget Act of 2018 (Pub. L. 115-123) hereinafter referred to as the "BBA of 2018"; finalizes regulations text changes regarding certifying and recertifying patient eligibility for Medicare home health services; and finalizes the definition of "remote patient monitoring" and the recognition of the costs associated with it as allowable administrative costs. This rule also summarizes the case-mix methodology refinements for home health services beginning on or after January 1, 2020, which includes the elimination of therapy thresholds for payment and a change in the unit of payment from a 60-day episode to a 30-day period, as mandated by section 51001 of the Bipartisan Budget Act of 2018. This rule also finalizes changes to the Home Health Value-Based Purchasing (HHVBP) Model. In addition, with respect to the Home Health Quality Reporting Program, this rule discusses the Meaningful Measures Initiative; finalizes the removal of seven measures to further the priorities of this initiative; discusses social risk factors and provides an update on implementation efforts for certain provisions of the IMPACT Act; and finalizes a regulatory text change regarding OASIS data. For the home infusion therapy benefit, this rule finalizes health and safety standards that home infusion therapy suppliers must meet; finalizes an approval and oversight process for accrediting organizations (AOs) that accredit home infusion therapy suppliers; finalizes the implementation of temporary transitional payments for home infusion therapy services for CYs 2019 and 2020; and responds to the comments received regarding payment for home infusion therapy services for CY 2021 and subsequent years. Lastly, in this rule, we are finalizing only one of the two new requirements we proposed to implement in the regulations for the oversight of AOs that accredit Medicare-certified providers and suppliers. More specifically, for reasons set out more fully in the section X. of this final rule with comment period, we have decided not to finalize our proposal to require that all surveyors for AOs that accredit Medicare-certified providers and suppliers take the same relevant and program-specific CMS online surveyor training that the State Agency surveyors are required to take. However, we are finalizing our proposal to require that each AO must provide a written statement with their application to CMS, stating that if one of its fully accredited providers or suppliers, in good- standing, provides written notification that they wish to voluntarily withdraw from the AO's CMS-approved accreditation program, the AO must continue the provider or supplier's current accreditation until the effective date of withdrawal identified by the facility or the expiration date of the term of accreditation, whichever comes first.
Asunto(s)
Servicios de Atención de Salud a Domicilio/legislación & jurisprudencia , Medicaid/legislación & jurisprudencia , Medicare/legislación & jurisprudencia , Sistema de Pago Prospectivo/legislación & jurisprudencia , Ajuste de Riesgo/legislación & jurisprudencia , Acreditación/legislación & jurisprudencia , Terapia de Infusión a Domicilio , Humanos , Calidad de la Atención de Salud/legislación & jurisprudencia , Estados UnidosRESUMEN
Last summer the administration finalized new rules on short-term plans and approved new state waivers. Litigation continues over the individual mandate, risk adjustment, and ACA "sabotage."
Asunto(s)
Reforma de la Atención de Salud/economía , Política de Salud , Ajuste de Riesgo/legislación & jurisprudencia , Humanos , Patient Protection and Affordable Care Act , Estados UnidosRESUMEN
The Secretary of Education (Secretary) amends the regulations implementing Parts B and C of the Individuals with Disabilities Education Act (IDEA). These conforming changes are needed to implement statutory amendments made to the IDEA by the Every Student Succeeds Act (ESSA), enacted on December 10, 2015. These regulations remove and revise IDEA definitions based on changes made to the definitions in the Elementary and Secondary Education Act of 1965 (ESEA), as amended by the ESSA, and also update several State eligibility requirements to reflect amendments to the IDEA made by the ESSA. They also update relevant cross-references in the IDEA regulations to sections of the ESEA to reflect changes made by the ESSA. These regulations also include several technical corrections to previously published IDEA Part B regulations.
Asunto(s)
Seguro de Salud/economía , Ajuste de Riesgo/economía , Humanos , Seguro de Salud/legislación & jurisprudencia , Patient Protection and Affordable Care Act , Ajuste de Riesgo/legislación & jurisprudencia , Gobierno Estatal , Estados UnidosRESUMEN
This final rule sets forth payment parameters and provisions related to the risk adjustment and risk adjustment data validation programs; cost-sharing parameters; and user fees for Federally-facilitated Exchanges and State Exchanges on the Federal platform. It finalizes changes that provide additional flexibility to States to apply the definition of essential health benefits (EHB) to their markets, enhance the role of States regarding the certification of qualified health plans (QHPs); and provide States with additional flexibility in the operation and establishment of Exchanges, including the Small Business Health Options Program (SHOP) Exchanges. It includes changes to standards related to Exchanges; the required functions of the SHOPs; actuarial value for stand-alone dental plans; the rate review program; the medical loss ratio program; eligibility and enrollment; exemptions; and other related topics.
Asunto(s)
Intercambios de Seguro Médico/economía , Intercambios de Seguro Médico/legislación & jurisprudencia , Beneficios del Seguro/economía , Beneficios del Seguro/legislación & jurisprudencia , Seguro de Salud/economía , Seguro de Salud/legislación & jurisprudencia , Patient Protection and Affordable Care Act/economía , Patient Protection and Affordable Care Act/legislación & jurisprudencia , Ajuste de Riesgo/legislación & jurisprudencia , Seguro de Costos Compartidos/economía , Seguro de Costos Compartidos/legislación & jurisprudencia , Planes de Asistencia Médica para Empleados/economía , Planes de Asistencia Médica para Empleados/legislación & jurisprudencia , Humanos , Sesgo de Selección , Pequeña Empresa/economía , Gobierno Estatal , Estados Unidos , United States Dept. of Health and Human ServicesRESUMEN
This final rule adopts the HHS-operated risk adjustment methodology for the 2018 benefit year. In February 2018, a district court vacated the use of statewide average premium in the HHS-operated risk adjustment methodology for the 2014 through 2018 benefit years. Following review of all submitted comments to the proposed rule, HHS is adopting for the 2018 benefit year an HHS-operated risk adjustment methodology that utilizes the statewide average premium and is operated in a budget-neutral manner, as established in the final rules published in the March 23, 2012 and the December 22, 2016 editions of the Federal Register.
Asunto(s)
Aseguradoras/legislación & jurisprudencia , Seguro de Salud/legislación & jurisprudencia , Patient Protection and Affordable Care Act/legislación & jurisprudencia , Ajuste de Riesgo/legislación & jurisprudencia , Humanos , Fondos de Seguro/legislación & jurisprudencia , Ajuste de Riesgo/métodos , Estados Unidos , United States Dept. of Health and Human Services/legislación & jurisprudenciaRESUMEN
To equalize differences in health plan premiums due to differences in risk pools, the German legislature introduced a simple Risk Adjustment Scheme (RAS) based on age, gender and disability status in 1994. In addition, effective 1996, consumers gained the freedom to choose among hundreds of existing health plans, across employers and state-borders. This paper (a) estimates RAS pass-through rates on premiums, financial reserves, and expenditures and assesses the overall RAS impact on market price dispersion. Moreover, it (b) characterizes health plan switchers and investigates their annual and cumulative switching rates over time. Our main findings are based on representative enrollee panel data linked to administrative RAS and health plan data. We show that sickness funds with bad risk pools and high pre-RAS premiums lowered their total premiums by 42 cents per additional euro allocated by the RAS. Consequently, post-RAS, health plan prices converged but not fully. Because switchers are more likely to be white collar, young and healthy, the new consumer choice resulted in more risk segregation and the amount of money redistributed by the RAS increased over time.
Asunto(s)
Conducta de Elección , Planes de Asistencia Médica para Empleados , Selección Tendenciosa de Seguro , Seguro de Salud/economía , Ajuste de Riesgo/legislación & jurisprudencia , Adulto , Algoritmos , Bases de Datos Factuales , Femenino , Financiación Gubernamental/legislación & jurisprudencia , Alemania , Humanos , Masculino , Estados UnidosRESUMEN
This final rule updates the home health prospective payment system (HH PPS) payment rates, including the national, standardized 60-day episode payment rates, the national per-visit rates, and the non-routine medical supply (NRS) conversion factor, effective for home health episodes of care ending on or after January 1, 2018. This rule also: Updates the HH PPS case-mix weights using the most current, complete data available at the time of rulemaking; implements the third year of a 3-year phase-in of a reduction to the national, standardized 60-day episode payment to account for estimated case-mix growth unrelated to increases in patient acuity (that is, nominal case-mix growth) between calendar year (CY) 2012 and CY 2014; and discusses our efforts to monitor the potential impacts of the rebasing adjustments that were implemented in CY 2014 through CY 2017. In addition, this rule finalizes changes to the Home Health Value-Based Purchasing (HHVBP) Model and to the Home Health Quality Reporting Program (HH QRP). We are not finalizing the implementation of the Home Health Groupings Model (HHGM) in this final rule.
Asunto(s)
Servicios de Atención de Salud a Domicilio/economía , Medicare/economía , Sistema de Pago Prospectivo/economía , Calidad de la Atención de Salud/economía , Mecanismo de Reembolso/economía , Ajuste de Riesgo/economía , Compra Basada en Calidad/economía , Episodio de Atención , Accesibilidad a los Servicios de Salud/economía , Accesibilidad a los Servicios de Salud/legislación & jurisprudencia , Servicios de Atención de Salud a Domicilio/legislación & jurisprudencia , Humanos , Notificación Obligatoria , Medicare/legislación & jurisprudencia , Patient Protection and Affordable Care Act/economía , Patient Protection and Affordable Care Act/legislación & jurisprudencia , Sistema de Pago Prospectivo/legislación & jurisprudencia , Calidad de la Atención de Salud/legislación & jurisprudencia , Método de Control de Pagos/legislación & jurisprudencia , Mecanismo de Reembolso/legislación & jurisprudencia , Ajuste de Riesgo/legislación & jurisprudencia , Estados Unidos , Compra Basada en Calidad/legislación & jurisprudencia , Poblaciones VulnerablesRESUMEN
High-risk pools are not new. Before the ACA, 35 states had them. Today, only a handful still function. But in March, HHS Secretary Tom Price encouraged a comeback, sending letters to governors inviting them to apply for ACA innovation waivers to implement state-by-state high-risk pools and reinsurance programs.
Asunto(s)
Seguro de Salud/legislación & jurisprudencia , Formulación de Políticas , Política , Seguro de Salud/economía , Ajuste de Riesgo/legislación & jurisprudencia , Estados UnidosRESUMEN
This final rule will update the prospective payment rates for inpatient rehabilitation facilities (IRFs) for federal fiscal year (FY) 2017 as required by the statute. As required by section 1886(j)(5) of the Act, this rule includes the classification and weighting factors for the IRF prospective payment system's (IRF PPS's) case-mix groups and a description of the methodologies and data used in computing the prospective payment rates for FY 2017. This final rule also revises and updates quality measures and reporting requirements under the IRF quality reporting program (QRP).
Asunto(s)
Medicare/economía , Sistema de Pago Prospectivo/economía , Centros de Rehabilitación/economía , Humanos , Pacientes Internos , Tiempo de Internación/economía , Tiempo de Internación/legislación & jurisprudencia , Medicare/legislación & jurisprudencia , Sistema de Pago Prospectivo/legislación & jurisprudencia , Centros de Rehabilitación/legislación & jurisprudencia , Ajuste de Riesgo/economía , Ajuste de Riesgo/legislación & jurisprudencia , Estados UnidosRESUMEN
This final rule updates the payment rates used under the prospective payment system (PPS) for skilled nursing facilities (SNFs) for fiscal year (FY) 2017. In addition, it specifies a potentially preventable readmission measure for the Skilled Nursing Facility Value-Based Purchasing Program (SNF VBP), and implements requirements for that program, including performance standards, a scoring methodology, and a review and correction process for performance information to be made public, aimed at implementing value-based purchasing for SNFs. Additionally, this final rule includes additional polices and measures in the Skilled Nursing Facility Quality Reporting Program (SNF QRP). This final rule also responds to comments on the SNF Payment Models Research (PMR) project.
Asunto(s)
Medicare/economía , Casas de Salud/economía , Sistema de Pago Prospectivo/economía , Compra Basada en Calidad/economía , Humanos , Medicare/legislación & jurisprudencia , Modelos Económicos , Casas de Salud/legislación & jurisprudencia , Sistema de Pago Prospectivo/legislación & jurisprudencia , Calidad de la Atención de Salud/economía , Calidad de la Atención de Salud/legislación & jurisprudencia , Mecanismo de Reembolso/economía , Mecanismo de Reembolso/legislación & jurisprudencia , Ajuste de Riesgo/economía , Ajuste de Riesgo/legislación & jurisprudencia , Estados Unidos , Compra Basada en Calidad/legislación & jurisprudenciaRESUMEN
Under the Medicare Shared Savings Program (Shared Savings Program), providers of services and suppliers that participate in an Accountable Care Organization (ACO) continue to receive traditional Medicare fee-for-service (FFS) payments under Parts A and B, but the ACO may be eligible to receive a shared savings payment if it meets specified quality and savings requirements. This final rule addresses changes to the Shared Savings Program, including: Modifications to the program's benchmarking methodology, when resetting (rebasing) the ACO's benchmark for a second or subsequent agreement period, to encourage ACOs' continued investment in care coordination and quality improvement; an alternative participation option to encourage ACOs to enter performance-based risk arrangements earlier in their participation under the program; and policies for reopening of payment determinations to make corrections after financial calculations have been performed and ACO shared savings and shared losses for a performance year have been determined.
Asunto(s)
Organizaciones Responsables por la Atención/economía , Organizaciones Responsables por la Atención/legislación & jurisprudencia , Benchmarking/economía , Benchmarking/legislación & jurisprudencia , Ahorro de Costo/economía , Ahorro de Costo/legislación & jurisprudencia , Medicare/economía , Medicare/legislación & jurisprudencia , Planes de Aranceles por Servicios/economía , Planes de Aranceles por Servicios/legislación & jurisprudencia , Humanos , Garantía de la Calidad de Atención de Salud/economía , Garantía de la Calidad de Atención de Salud/legislación & jurisprudencia , Ajuste de Riesgo/economía , Ajuste de Riesgo/legislación & jurisprudencia , Estados UnidosRESUMEN
Under the Affordable Care Act, the risk-adjustment program is designed to compensate health plans for enrolling people with poorer health status so that plans compete on cost and quality rather than the avoidance of high-cost individuals. This study examined health plan incentives to limit covered services for mental health and substance use disorders under the risk-adjustment system used in the health insurance Marketplaces. Through a simulation of the program on a population constructed to reflect Marketplace enrollees, we analyzed the cost consequences for plans enrolling people with mental health and substance use disorders. Our assessment points to systematic underpayment to plans for people with these diagnoses. We document how Marketplace risk adjustment does not remove incentives for plans to limit coverage for services associated with mental health and substance use disorders. Adding mental health and substance use diagnoses used in Medicare Part D risk adjustment is one potential policy step toward addressing this problem in the Marketplaces.
Asunto(s)
Simulación por Computador , Trastornos Mentales/economía , Motivación , Ajuste de Riesgo/economía , Trastornos Relacionados con Sustancias/economía , Adulto , Enfermedad Crónica/economía , Femenino , Intercambios de Seguro Médico/economía , Humanos , Cobertura del Seguro/economía , Seguro de Salud/economía , Seguro de Salud/legislación & jurisprudencia , Masculino , Patient Protection and Affordable Care Act/economía , Ajuste de Riesgo/legislación & jurisprudencia , Estados UnidosRESUMEN
This final rule sets forth payment parameters and provisions related to the risk adjustment, reinsurance, and risk corridors programs; cost-sharing parameters and cost-sharing reductions; and user fees for Federally-facilitated Exchanges. It also provides additional amendments regarding the annual open enrollment period for the individual market for the 2017 and 2018 benefit years; essential health benefits; cost sharing; qualified health plans; Exchange consumer assistance programs; network adequacy; patient safety; the Small Business Health Options Program; stand-alone dental plans; third-party payments to qualified health plans; the definitions of large employer and small employer; fair health insurance premiums; student health insurance coverage; the rate review program; the medical loss ratio program; eligibility and enrollment; exemptions and appeals; and other related topics.
Asunto(s)
Intercambios de Seguro Médico/legislación & jurisprudencia , Beneficios del Seguro/legislación & jurisprudencia , Cobertura del Seguro/legislación & jurisprudencia , Seguro de Salud/legislación & jurisprudencia , Patient Protection and Affordable Care Act/legislación & jurisprudencia , Seguro de Costos Compartidos/legislación & jurisprudencia , Gobierno Federal , Humanos , Seguro Odontológico/legislación & jurisprudencia , Navegación de Pacientes/legislación & jurisprudencia , Seguridad del Paciente/legislación & jurisprudencia , Método de Control de Pagos/legislación & jurisprudencia , Ajuste de Riesgo/legislación & jurisprudencia , Pequeña Empresa/legislación & jurisprudencia , Servicios de Salud para Estudiantes/legislación & jurisprudencia , Estados Unidos , United States Dept. of Health and Human ServicesRESUMEN
This final rule sets forth payment parameters and provisions related to the risk adjustment program; cost-sharing parameters and cost-sharing reductions; and user fees for Federally-facilitated Exchanges and State-based Exchanges on the Federal platform. It also provides additional guidance relating to standardized options; qualified health plans; consumer assistance tools; network adequacy; the Small Business Health Options Programs; stand-alone dental plans; fair health insurance premiums; guaranteed availability and guaranteed renewability; the medical loss ratio program; eligibility and enrollment; appeals; consumer-operated and oriented plans; special enrollment periods; and other related topics.
Asunto(s)
Intercambios de Seguro Médico/legislación & jurisprudencia , Beneficios del Seguro/economía , Beneficios del Seguro/legislación & jurisprudencia , Seguro de Salud/economía , Seguro de Salud/legislación & jurisprudencia , Patient Protection and Affordable Care Act/economía , Patient Protection and Affordable Care Act/legislación & jurisprudencia , Seguro de Costos Compartidos/economía , Seguro de Costos Compartidos/legislación & jurisprudencia , Determinación de la Elegibilidad , Intercambios de Seguro Médico/economía , Humanos , Cobertura del Seguro/economía , Cobertura del Seguro/legislación & jurisprudencia , Ajuste de Riesgo/economía , Ajuste de Riesgo/legislación & jurisprudencia , Pequeña Empresa , Gobierno Estatal , Estados UnidosRESUMEN
Hospitals are legally obliged to take part in external comparative quality assurance programs. Quality indicators for pressure ulcer prevention are among the most widely used for geriatric clinical institutions. To enable more precise risk adjustment established risk factors are employed in conjunction with the OPS 9-200. Using a PKMS case to produce an OPS 9-200 is far too heterogeneous, sketchy and vague to create an accurate and satisfactory pressure ulcer risk assessment for patients with varied and individual case factors. Therefore we propose to include risk factors which, according to experts, are clearly and specifically related to pressure ulcers (e.g. immobility and incontinence) and matched by unique ICD codes.
Asunto(s)
Enfermería Geriátrica/organización & administración , Enfermería Geriátrica/normas , Úlcera por Presión/prevención & control , Garantía de la Calidad de Atención de Salud/organización & administración , Indicadores de Calidad de la Atención de Salud/organización & administración , Anciano , Enfermería Geriátrica/legislación & jurisprudencia , Alemania , Humanos , Clasificación Internacional de Enfermedades/legislación & jurisprudencia , Clasificación Internacional de Enfermedades/organización & administración , Evaluación en Enfermería/legislación & jurisprudencia , Evaluación en Enfermería/organización & administración , Garantía de la Calidad de Atención de Salud/legislación & jurisprudencia , Mejoramiento de la Calidad/legislación & jurisprudencia , Mejoramiento de la Calidad/organización & administración , Indicadores de Calidad de la Atención de Salud/legislación & jurisprudencia , Ajuste de Riesgo/legislación & jurisprudencia , Ajuste de Riesgo/organización & administración , Factores de RiesgoRESUMEN
The new health insurance exchanges are the core of the Affordable Care Act's (ACA) reforms, but how the law improves the nonsubsidized portion of the individual market is also important. This issue brief compares products sold on and off the exchanges to gain insight into how the ACA's market reforms are functioning. Initial concerns that insurers might seek to enroll lower-risk customers outside the exchanges have not been realized. Instead, more-generous benefit plans, which appeal to people with health problems, constitute a greater portion of plans sold off-exchange than those sold on-exchange. Although insurers that sell mostly on the exchanges incur an additional fee, they still devote a greater portion of their premium dollars to medical care. Their projected administrative costs and profit margins are lower than are those of insurers selling only off the exchanges.
Asunto(s)
Cobertura del Seguro/legislación & jurisprudencia , Seguro de Salud/legislación & jurisprudencia , Patient Protection and Affordable Care Act , Honorarios y Precios/estadística & datos numéricos , Reforma de la Atención de Salud/legislación & jurisprudencia , Intercambios de Seguro Médico/legislación & jurisprudencia , Humanos , Ajuste de Riesgo/legislación & jurisprudencia , Estados UnidosRESUMEN
This final rule sets forth payment parameters and provisions related to the risk adjustment, reinsurance, and risk corridors programs; cost sharing parameters and cost-sharing reductions; and user fees for Federally-facilitated Exchanges. It also finalizes additional standards for the individual market annual open enrollment period for the 2016 benefit year, essential health benefits, qualified health plans, network adequacy, quality improvement strategies, the Small Business Health Options Program, guaranteed availability, guaranteed renewability, minimum essential coverage, the rate review program, the medical loss ratio program, and other related topics.