TAILIEUCHUNG - Health Insurance Premiums: Past High Costs Will Become the Present and Future Without Health Reform January 28, 2011

Medical loss ratio likely to lead to rebates: This year, health insurers must either meet the new minimum loss ratio requirements by spending at least 80 percent of premiums on care and quality improvement or offer customers rebates in 2012. Already, 75 million Americans in plans covered by this rule are benefiting from insurers’ efforts to lower administrative costs and increase the value of their coverage. We estimate, in the small group market, one million enrollees could receive rebates averaging $312 per enrollee. In the large group market, another million enrollees could receive average rebates of $166. | Health Insurance Premiums Past High Costs Will Become the Present and Future Without Health Reform January 28 2011 Introduction As Americans learn about the new health care law a key question is what will the Affordable Care Act mean for health insurance premiums paid by consumers and employers This report examines the past present and future regarding the likely effects of the law on premiums -along with what might happen without it. From 1999 to 2009 health insurance premiums skyrocketed while Americans wages and cost of living grew at a much slower rate. Premiums more than doubled rising by over 7 500 for the average family with employer-sponsored insurance. The cost of an employer-based family coverage plan rose from 12 to 22 percent of family income over the decade. Health insurance costs jumped as a percentage of private sector compensation from to percent from 1999 to 2009 eroding workers wages. Small businesses were particularly hard hit. The proportion of small employers offering health insurance dropped from 65 to 59 percent between 1999 and 2009. Part of the reason for rising costs has been reduced competition these increases occurred at a time of tremendous consolidation in the insurance markets both national and local. The Affordable Care Act increases insurance company accountability by supporting States review of premium increases setting standards for the amount of premiums spent on benefits versus overhead . medical loss ratios and posting insurance price information for transparency. A Small Business Health Care Tax Credit reinsurance for early retirees and premium assistance for uninsured people with pre-existing conditions have already provided targeted relief for millions of insured and uninsured Americans and these changes are making a difference. Preliminary evidence suggests that rate increases for 2011 may be lower than in previous years. In addition roughly million workers are eligible for the tax credits which the .

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