Assessing Alternative Modifications to the Affordable Care Act: Impact on Individual Market Premiums and Insurance Coverage

Christine Eibner ; Evan Saltzman

RAND Corporation

RAND Corporation

关键词: Health Insurance Mandates;    Health Insurance Markets;    United States;    Health Care Reform;    Health Insurance Benefit Design;    Affordable Care Act;   

DOI  :  10.7249/RR708
RP-ID  :  RR-708-DHHS

学科分类：自然科学（综合）

美国|英语

来源: RAND Corporation Published Research

【 摘 要 】

The goals of the Affordable Care Act (ACA) are to enable all legal U.S. residents to have access to affordable health insurance and to prevent sicker individuals (such as those with preexisting conditions) from being priced out of the market. The ACA also instituted several policies to stabilize premiums and to encourage enrollment among healthy individuals of all ages. The law's tax credits and cost-sharing subsidies offer a "carrot" that may encourage enrollment among some young and healthy individuals who would otherwise remain uninsured, while the individual mandate acts as a "stick" by imposing penalties on individuals who choose not to enroll.