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Evaluation of a Colorado Public Option18 October 2019 - By Fritz Busch and Paul R. Houchens - Article

This report analyzes various aspects of the potential introduction of a Public Option in Colorado.

Setting reference prices in surprise billing situations15 March 2019 - By Fritz Busch and Stacey V. Muller and Barbara Collier - Article

This report provides analysis and commentary on relevant considerations when evaluating the appropriateness of various databases and methods to establish reference prices in surprise billing situations.

Association health plans after the final rule22 August 2018 - By Fritz Busch and Jason Karcher - Article

We examine the final rule released in June as part of the Trump administration’s executive order promoting healthcare choice, evaluate considerations for sponsors of association health plans, and briefly assess the impact on small-group health and individual ACA markets.

The impact of the $0 individual mandate penalty08 June 2018 - By Andrew Bourg and Fritz Busch and Stacey V. Muller - Article

Understanding the impact of the $0 individual mandate penalty on the health insurance risk pool is important to both insurers offering ACA-compliant products and state policymakers evaluating its alternatives.

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.

Law and Executive Order: A look at how President Trump's executive order on healthcare impacts the ACA's small group and individual markets15 November 2017 - By Fritz Busch and Erik Huth and Nicholas Krienke and Jason Karcher - Article

This paper summarizes the Presidential Executive Order Promoting Healthcare Choice and Competition Across the United States and analyzes key considerations and potential impacts for commercial health plans.

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.

A bridge too far? The most likely fates of ACA CSR payments and impacts on the individual market27 April 2017 - By Pedro Alcocer and Fritz Busch and Jason Karcher - Article

This report explores some of the key issues that arise from the possibility of non-payment of subsidy amounts to health insurers.

Repeal, replace, or reform: Key policy discussions affecting the individual health insurance market18 January 2017 - By Fritz Busch and Nicholas Krienke and Scott A. Weltz - Article

How will the Patient Protection and Affordable Care Act (ACA) be affected by the incoming Trump administration?

On second thought: Initial insights from year 2 of the ACA risk adjustment program10 August 2016 - By Fritz Busch and Jason Karcher and Jason Petroske - Article

The initial 2015 risk adjustment report shows the magnitude of the transfer payments continues to significantly affect the financial results of many issuers.


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