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Diane Publishing Books
Private Health Insurance: The Range of Base Premiums in the Individual Market by State in January 2013
John E. Dicken (au)
Millions of Americans obtain health coverage by purchasing private health insurance. Currently, in most states, under applicable law, individual health insurance market premium rates may vary on the basis of age, gender, health status, and other factors. In addition, states vary in their specific requirements for what insurers can consider in underwriting, which is the process of assessing the health status of the insurance applicant and setting the premium according to the health risk of that individual. With certain exceptions, individuals can have their coverage denied, offered at a higher-than-average premium, or offered with a rider that excludes coverage of a preexisting condition.The Patient Protection and Affordable Care Act (PPACA) included a number of provisions that could affect private health insurance requirements and the resulting cost of individual health insurance premiums. PPACA also included an individual mandate that will require most individuals to have health insurance. Beginning in Jan. 2014, the way insurers may calculate base premiums prior to underwriting may change. This report examines the range of base premiums for health insurance in the individual market displayed on the HealthCare.gov Plan Finder in the month of Jan. 2013. Tables. This is a print on demand report.
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