Comprehensive Assessment of ACA Factors That Will Affect Individual Market Premiums in 2014
April 25, 2013

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  • Executive Summary
  • Report Qualifications
  • ACA Factors Affecting Individual Market Premiums in 2014
    • New Taxes and Fees Leading to Increased Premiums
    • Benefit Plan Changes Affecting Premium Rates
    • Rising Health Care Costs
    • Changes in Risk Pool Composition/Adverse Selection
    • Pent-Up Demand
    • Market Competition
    • Transitional Reinsurance Program Subsidy
    • Factors with Varied Impact
    • Other Considerations
  • Conclusion
  • Reliance and Limitations

Comparison of Premium Rate Changes by Age Due to ACA 3-to-1 Unisex Requirement

Premium Rate Changes - Age 

“When faced with high premiums, younger and healthier individuals may choose to forgo purchasing health insurance until they need it, which will only serve to increase costs for all other individuals in the healthcare system…For the individual insurance market risk pool to remain stable in 2014 and beyond, it is vital that young and healthy individuals enter and remain in the insurance market in addition to individuals with an immediate need for healthcare services.”  


Personal Responsibility - Single Person and Family of 4

  • Personal Responsibility - Single Person
  • Personal Responsibility - Family of Four