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Commentary
How Insurance Marketplace Regulators Can Help Consumers Enroll in Better Coverage
The Affordable Care Act simplified shopping for health care by creating the individual health insurance marketplaces where plans are categorized into labeled tiers. Consumers rely on these labels when comparing plans. But the labels don't tell consumers everything they need to know.
Aug 2, 2021
Report
How to Prevent Health Insurance Loss During Future Recessions
The pandemic–related recession and job loss raised concerns that millions of Americans would lose their health insurance. But temporary aid to protect coverage prevented that from happening. Making the enhanced marketplace tax credits in the American Rescue Plan permanent could keep coverage stable in future recessions.
Nov 12, 2021

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News Release
Consumers Who Buy Subsidized Health Plans May Face Higher Costs When More Choices Are Available
For people who buy subsidized coverage through marketplaces created under the ACA, those who live in areas with more plan offerings may have to pay a higher premium to receive the same deductible when compared to consumers in regions with fewer options.
Jan 6, 2015
News Release
Eliminating Subsidies for People to Buy Health Coverage Would Increase Premiums and Number of Uninsured
Eliminating subsidies that help low- and moderate-income people purchase coverage through government-run health insurance marketplaces would sharply boost costs for consumers as much as 43 percent and cause more than 11 million Americans to lose their health insurance.
Oct 21, 2014
Research Brief
Young Adult Enrollment and the Affordable Care Act
Reduced young-adult enrollment in the individual health insurance market created under the Affordable Care Act would lead to modest premium increases; however, eliminating tax credits would substantially increase premiums and reduce enrollment.
Oct 21, 2014
Report
Eliminating Subsidies for People to Buy Health Coverage Would Increase Premiums and Number of Uninsured
Eliminating subsidies that help low- and moderate-income people purchase coverage through government-run health insurance marketplaces would boost costs for consumers as much as 43 percent and cause more than 11 million Americans to lose their health insurance.
Oct 21, 2014
Commentary
Happy Birthday, Healthcare.Gov
This month marks the one-year anniversary of the health insurance Marketplaces—the online exchanges for buying and selling insurance created by the Affordable Care Act. Last year, after a near-disastrous start that included massive website failures, the Marketplaces rebounded to a surprising success.
Oct 16, 2014
Report
Barriers to Enrollment in Health Coverage in Colorado
Explores why eligible individuals are not enrolled in health insurance coverage in Colorado and makes recommendations on how Colorado can strengthen its future outreach and enrollment efforts.
Oct 6, 2014
Report
Changes in Health Insurance Enrollment Since ACA Implementation
Early evidence from a nationally representative survey suggests that the Affordable Care Act has led to a substantial increase in health coverage. Among the newly insured, most gained coverage through employer-sponsored insurance or Medicaid.
Apr 8, 2014
Commentary
Checking the ACA's Vital Signs
Despite pervasive challenges associated with the rollout of the Affordable Care Act (ACA), the administration remains optimistic about its fate. Critics, however, have seized upon the recent mishaps as evidence of the ACA's inevitable demise.
Mar 17, 2014
Commentary
Who Does the Affordable Care Act Leave Behind?
Although one of the primary objectives of the ACA is to achieve near-universal health insurance coverage, the Congressional Budget Office projects that 30 million residents, more than 10 percent of the nonelderly population, will remain uninsured after the major provisions of the ACA take full effect.
Mar 7, 2014
Commentary
First Steps on a Long Road: Three Key Findings from ACA's Early Enrollment Numbers
The vision of the ACA was “no wrong door” and an affordable option for everyone, but it appears based on the data available so far that, in the non-Medicaid expansion states, there is a closed door.
Feb 10, 2014
News Release
Plans Allowing People to Keep Health Insurance Will Not Threaten New Insurance Marketplaces
Although three options put forward to help people keep their old health insurance plans all would cause some disruption of the risk pools that are important to the insurance exchanges, none of the changes would be severe enough to threaten their viability.
Jan 21, 2014
Report
Plans Allowing People to Keep Health Insurance Will Not Threaten New Insurance Marketplaces
Although three options put forward to help people keep their old health insurance plans all would cause some disruption of the risk pools that are important to the insurance exchanges, none of the changes would be severe enough to threaten their viability.
Jan 21, 2014
Commentary
Four Questions on Canceled Insurance Policy Fix
David Mastio, Forum editor at USA TODAY, asked RAND's Christine Eibner four questions about President Obama's plan to fix the problem with people getting their insurance canceled.
Nov 15, 2013
Commentary
Understanding the Affordable Care Act
One of the chief aims of the Affordable Care Act (ACA) is the expansion of insurance coverage to individuals who at present either cannot afford it or choose not to purchase it. Unfortunately, many Americans lack the financial literacy needed to navigate the numerous and complex options thrust upon them by the ACA.
Oct 2, 2013
Blog
Ask Me Anything: Carter Price on the Affordable Care Act
As of October 1, many Americans can now shop for health insurance through state exchanges created as part of the Affordable Care Act (ACA)—the sweeping health care reform often referred to as “Obamacare.” To provide some insight into the ACA, RAND's Carter Price hosted an “Ask Me Anything” session on Reddit today.
Oct 1, 2013
Commentary
Will ACA Implementation Lead to a Spike in Demand for Care?
The growing number of Americans newly-insured under the ACA will undoubtedly lead to a surge in demand for care, whether through Medicaid or insurance exchanges. But, if predictions hold, the increase won't be as dramatic as some may fear, writes David I. Auerbach.
Sep 27, 2013
News Release
No Widespread Increase in Cost of Individual Health Insurance Policies Under Affordable Care Act
An analysis of 10 states and the United States overall predicts that there will be no widespread premium increase in the individual health insurance market under the ACA. However, the cost of policies will vary among states and will be influenced by individual factors such as a person's age and whether they smoke.
Aug 29, 2013
Report
No Widespread Increase in Cost of Individual Health Insurance Policies Under Affordable Care Act
An analysis of 10 states and the United States overall predicts that there will be no widespread premium increase in the individual health insurance market under the ACA. However, the cost of policies will vary among states and will be influenced by individual factors such as a person's age and whether they smoke.
Aug 29, 2013
Commentary
Helping Obama—and Other Americans—Weigh Which Health Insurance Exchange to Pick
Multistate plans are most likely to appeal to out-of-state students, interstate migrants, out-of-state workers, seasonal movers (e.g., “snowbirds”), and similar groups that require improved access to health care across state lines.
Apr 1, 2013
Report
Multistate Health Plans in the ACA's State Insurance Exchanges
The ACA requires the government to work with insurance issuers to establish at least two multistate plans (MSPs) in each state's health insurance exchange. MSPs may be especially attractive to those interested in issuers that operate in multiple states, such as out-of-state students or temporary workers.
Mar 20, 2013

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