The 3 Rs of Financial Management: Reinsurance, Risk Adjustment, and Risk Corridors

May 31, 2012
1:00 – 2:30 pm ET

Highlighting the experience of Massachusetts  

 Presented by Walgreens 

With 30 million newly-insured lives entering Health Insurance exchanges in 2014, and traditional risk management tools such as underwriting and pre-existing condition exclusions no longer permitted, health insurers are faced with considerable risk that claims could significantly exceed premiums. CMS has proposed three interlocking methods to help insurers manage this risk, referred to as the "3 Rs":  Reinsurance; Risk Adjustment and Risk Corridors.  

Each of these methods has a place in managing a health insurance exchange.  While specific rules for operation under the new arrangement have yet to be released, all three methods have been in operation in Massachusetts since the inception of the Massachusetts exchange (the model for the ACA) was introduced in 2006.


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