Under the Affordable Care Act, community rating requirements limit insurers’ ability to use health risk to set premiums. When considering how these rating requirements affect self-insurance and the small group markets, lower risk firms may be more likely to self-insure, while higher risk firms may be more likely to join the small group market, creating adverse selection in the small group market. This webinar explores those questions and looks across states to determine how community rating requirements could impact self-insurance and the small group market. Speakers describe various policy solutions to this potential issue and discuss how changes to the ACA might hurt or help employers who are self-insured or in the small group market.

Learning Objectives

  • Understand federal and state policy implications of the community rating requirements for self-insurance and the small group market
  • Learn about potential policy changes and alternatives to these rating requirements could affect employers and new marketplaces in the future

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Brad Herring

Bradley Herring, Ph.D.

Associate Professor - Johns Hopkins Bloomberg School of Public Health

Dr. Herring’s research focuses on a number of economic and public policy issues related to health insurance co... Read Bio

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Deborah Chollet

Deborah Chollet, Ph.D.

Senior Fellow - Mathematica Policy Research, Inc. Speaker

Dr. Chollet conducts and manages research on private health insurance coverage, markets, provider payments, an... Read Bio

Part Two of a Three-Part Webinar Series

With the future of the ACA uncertain, this webinar series sought to examine various policies, regulations, and potential outcomes related to ACA implementation and how they could be amended to improve market stability and costs and outcomes for low-income populations. The series is a part of the Robert Wood Johnson Foundation’s “Policy-Relevant Insurance Studies” (PRIS) program, which supports studies that address the macro and micro effects of policies related to health insurance.

Part One: Potential Pitfalls and Improvements to ACA’s Risk Adjustment

Part Three: Medicaid Expansions & Personal Finance