The 2010 Affordable Care
Act (ACA) ushered in significant changes to the private health insurance market,
including new health insuranceexchanges
and comprehensive market reforms such as guaranteed issue, comprehensive rating
requirements, and a ban on preexisting condition exclusions, among other
significant insurance standards and consumer protections. These reforms, in
addition to federal financial assistance to help pay for coverage, are the
foundation upon which millions of Americans now obtain their health insurance.
Although the ACA
significantly strengthened federal standards for private health insurance under
federal law, states continue to be the primary regulators of private health
insurance. As such, state-level policy decisions related to health insurance
and insurance markets have significant ramifications for consumers and their ability
to obtain affordable, adequate health coverage.
With generous support
Commonwealth Fund, the Center on Health Insurance Reforms (CHIR) directs Eye on
the States: Monitoring and Analyzing State Action Affecting Private Health
Insurance Markets.” Under this project, CHIR researchers monitor and analyze
state action related to private health insurance and health insurance markets.
This data, as well as the analysis of emerging trends, best practices,
implementation and enforcement challenges, can be used to inform the decisions of
federal and state policymakers.
The following are recent publications from this