Health Reform & ACA Implementation

Implementation of the Affordable Care Act, the health care reform law passed in 2010, and other health care reform issues.

Medical Loss Ratio Regulation Work Group letter to the NAIC responding to a request for more information on defining statistical credibility within the MLR rebate process as provided in a previous letter. (May 20, 2010)
Medical Loss Ratio Regulation Work Group letter to the chair of the NAIC's Health Care Reform Solvency Impact Subgroup on an exposure draft of a new proposed financial reporting exhibit the Supplemental Health Care Exhibit. (May 17, 2010)
Medical Loss Ratio Regulation Work Group letter to the Department of Health and Human Services in response to its request for comments on the PPACA provision that requires medical loss ratio reporting and rebates. (May 14, 2010)
Premium Review Work Group letter to the Department of Health and Human Services in response to its request for comments on the PPACA provision that establishes a review process for unreasonable rate increases. (May 14, 2010)
Medical Loss Ratio Regulation Work Group letter to the chair of the NAIC's Accident and Health Working Group responding to his request for input on defining an appropriate way to maintain statistical validity within the rebate process. The Academy sent a subsequent letter to respond to a request from the NAIC for more information on statistical credibility. (May 12, 2010)
Premium Review Work Group letter to the chairs of the NAIC's Health Care Reform Solvency Impact Subgroup, the Accident and Health Working Group, and the Rate Review Subgroup regarding the Patient Protection and Affordability Act (PPACA) provision that establishes a review process for unreasonable rate increases. (May 8, 2010)
Health Practice Council issue brief providing an overview of risk adjustment and outlining general considerations for implementing a risk adjustment mechanism under PPACA. (May 1, 2010)
Medical Loss Ratio Regulation Work Group second letter to the chairs of the NAIC's Health Care Reform Solvency Impact Subgroup and the Accident and Health Working Group regarding the medical loss ratio provisions and the potential for individual market disruption under the Patient Protection and Affordability Act. (April 28, 2010)
Medical Loss Ratio Regulation Work Group letter to the Chairs of the NAIC's Health Care Reform Solvency Impact Subgroup and the Accident and Health Working Group regarding considerations related to the Patient Protection and Affordability Act Medical Loss Ratio Provisions (2718). (April 20, 2010)
Health Practice Council letter to members of House and Senate pledging to work with regulatory authorities on the implementation of the health reform law. (March 24, 2010)
Critical Issues in Health Reform
In 2009, the Academy's Health Practice Council introduced a new series of policy statements -- Critical Issues in Health Reform -- to provide an actuarial perspective to policymakers as they grappled with developing comprehensive reform proposals to slow the increase in health care costs, provide affordable and accessible coverage for the uninsured, and promote quality care. These policy statements addressed a variety of issues related to health care reform, providing the implications of various proposals being considered and their potential impact on the health insurance market.
(March 23, 2010)
Health Practice Council letter to Congress outlining technical and policy issues that need to be addressed before the passage of health reform legislation to ensure success of the reforms. (March 8, 2010)
Health Practice Council letter to the White House and invitees of the Feb. 25 bipartisan health summit stressing critical actuarial aspects of health reform legislation that will need to be addressed to support the stated goals of reducing the number of uninsured, increasing the availability and affordability of coverage, and enhancing the focus on quality of care and health spending growth. (February 24, 2010)
Health Practice Council letter to House Speaker Nancy Pelosi and Senate Majority Leader Harry Reid highlighting some of the key differences on actuarial issues between the House's Affordable Health Care for America Act (HR 3962) and the Senate's Patient Protection and Affordable Care Act. (January 14, 2010)
Academy and Society of Actuaries technical report to help policymakers and the public understand the potential implications of an excise tax on high-cost, employer-provided health plans. (January 1, 2010)
State Health Committee testimony to the NAIC outlining several issues that need to be addressed, in terms of implementation at the state level, if federal health care reform is enacted. (December 4, 2009)
Health Practice Council letter to Sens. Harry Reid and Mitch McConnell that outlines key isuses that need to be considered when evaluating whether the Senate's health care reform bill will lead to a viable health insurance system and discusses whether the Patient Protection and Affordable Care Act addresses the outlined issues. (November 20, 2009)
Health Practice Council letter to Speaker Nancy Pelosi and Republican Leader John Boehner providing an actuarial perspective on health insurance market reforms, outlining three criteria to ensure that the current markets remain viable, and offering comments on how certain provisions of the House’s Affordable Health Care for America Act (HR 3962) conform with those criteria. (November 6, 2009)
Medical Professional Liability Insurance Subcommittee letter to House Speaker Nancy Pelosi regarding "The Affordable Health Care for America Act" and its possible effects on medical professional liability insurance. (November 5, 2009)
Joint Academy/SOA technical report and webcast on the start-up capital requirements for health care cooperatives and/or a public plan option. (November 2, 2009)