This series is intended to provide a comprehensive analysis of the ACA’s impact on the individual and small group insurance markets in 2014 and 2015.
The series will focus on contrasting insurers’ performance selling individual Qualified Health Plans (QHPs) and small group QHPs, analyzing the key factors that explain the variation in insurers’ performance, and assessing the overall function of the ACA’s three premium stabilization programs. Together, these analyses of the first-year performance of QHPs provide a comprehensive review of the law’s past performance and critical information in considering the law’s future, especially since reports indicate that insurers' performance in 2015 was generally similar to their performance in 2014.