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Could 2019 be the year of MLR rebates for ACA issuers in the individual market?04 March 2019 - By Esther M. Blount and Michelle Klein and Alison Fasching - Article

As medical loss ratios (MLR) decrease, individual ACA issuers need to start thinking about something that has been mostly irrelevant to them until now—MLR rebates.

Which plan is best for me? Consumer transparency issues in an evolving individual health insurance market05 April 2017 - By Andrew Bourg and Esther M. Blount - Article

This paper discusses the steps the Patient Protection and Affordable Care Act (ACA) took to promote consumer knowledge in the individual market surrounding health insurance and the pros and cons of removing such initiatives.

Cost-sharing reduction subsidies: Requesting adjustments to the advance payment formula to reduce cash flow strain22 December 2015 - By Esther M. Blount and Fritz Busch and Scott A. Weltz - Article

The cost-sharing reduction (CSR) program is contributing to financial strain for many insurers participating in the individual health insurance marketplace.

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