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NIHCM

In anticipation of the Supreme Court ruling on the ACA, NIHCM Foundation is re-releasing a 2011 Expert Voices essay that describes the adverse selection death spiral that could result if the individual mandate is struck down and severed from the rest of the reform law.

Community Rating and Guaranteed Issue in the Individual Health Insurance Market by Dr. Anthony Lo Sasso examines data from states that adopted community rating and guaranteed issue requirements without mechanisms to keep lower risk individuals in the insurance risk pools. His analysis shows the adverse selection that arises in these circumstances, and he explains how this adverse selection can raise premiums, destabilize markets and even lead to market failure. Read more...

 
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