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New CMS guidance for Medicaid managed care medical loss ratio calculations06 June 2019 - By Paul R. Houchens and Ian M. McCulla and Amber Kerstiens - Article

The May 15, 2019, Informational Bulletin from the Centers for Medicare and Medicaid Services focuses on the responsibilities of a subcontractor in providing data and the proper accounting of subcontractor payments for purposes of medical loss ratio reporting.

Commercial health insurance: Detailed 2017 financial results and emerging 2018 trends07 May 2019 - By Paul R. Houchens and Jason A. Clarkson and Jason Melek - Article

This report provides a detailed review of the commercial health insurance industry’s financial results for 2017 and evaluates changes in the market’s expense structure and enrollment relative to prior years.

Evaluation of State Medicaid Scorecard Data26 February 2019 - By Andrew Dilworth and Paul R. Houchens - Article

An analysis of the recently announced Centers for Medicare and Medicaid Services Medicaid and Children’s Health Insurance Program Scorecard with a primary focus on the Scorecard’s State Health System Performance quality metrics.

2018 summary of individual market enrollment and Affordable Care Act subsidies31 July 2018 - By Paul R. Houchens and Jason A. Clarkson and Zachary Fohl - Article

A profile of the individual health insurance market for each state and the District of Columbia, summarizing insurer financials, marketplace enrollment, and federal assistance provided to households purchasing insurance coverage through the insurance marketplace, incorporating recently released data from the 2018 open enrollment period.

Commercial health insurance: Overview of 2016 financial results and emerging enrollment and premium data17 May 2018 - By Paul R. Houchens and Jason A. Clarkson and Jason Melek - Article

This report provides a detailed review of the commercial health insurance industry’s financial results in 2016 and evaluates changes in the market’s expense structure and enrollment prior to relative years.

Medicaid buy-in: Section 1332 Innovation Waivers, state options, and top ten considerations11 May 2018 - By Paul R. Houchens and Christine M. Mytelka and Susan Philip - Article

Medicaid buy-ins are currently getting states’ attention.

The individual mandate repeal: Will it matter?01 March 2018 - By Fritz Busch and Paul R. Houchens - Article

With the passage of the Tax Cuts and Jobs Act of 2017, there are renewed concerns related to the stability of the individual market.

Reinsurance and high-risk pools: Past, present, and future role in the individual health insurance market06 June 2017 - By Fritz Busch and Paul R. Houchens - Article

This paper examines the historical uses of high-risk pools (HRPs) prior to the implementation of the Patient Protection and Affordable Care Act (ACA), the role of reinsurance under the ACA, the proposed usage of reinsurance and HRPs under the American Health Care Act, and considerations for states examining the creation and deployment of these types of mechanisms.

The Patient and State Stability Fund: What happens now?26 April 2017 - By Kathleen E. Ely and Thomas D. Murawski and Paul R. Houchens - Article

The future of the Patient Protection and Affordable Care Act is still in question. The Patient and State Stability Fund (PSSF), a grant program intended to stabilize individual and small group state insurance markets and lower patient costs is one element under discussion. This paper examines the PSSF and considerations for stakeholders.

Summary of individual market enrollment and Affordable Care Act subsidies01 April 2017 - By Paul R. Houchens and Zachary Fohl and Jason A. Clarkson - Article

Milliman prepared a profile of the individual health insurance market for each state and the District of Columbia, summarizing insurer financials, marketplace enrollment, and federal assistance provided to households purchasing insurance coverage through the insurance marketplace.


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