Lower than expected enrollment, rising premiums, and declining issuer participation have led to an increased focus by state and federal policymakers on stabilizing the individual health insurance market. Legislative proposals aimed at addressing these concerns are currently being discussed. Assuming the package of proposals were approved by Congress and issuers were permitted and willing to refile rates for the 2018 plan year, a combination of these policies may lead to the reduction of individual market premiums—as compared to current law–by 13% to 17% for 2018, driven primarily by the reinsurance program as well as the continued Health Insurance Tax moratorium.
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