State Regulation of the Individual Health Insurance Market (Issue Brief), State Individual Insurance Markets and Impacts of Federal Reform, Barents Group, LLC, 1997, 6 pp., first in a series. This issue brief provides an overview of select individual market regulations in each of the 50 states prior to the enactment of the federal Health Insurance Portability and Accountability Act of 1996. The brief presents state regulations related to rating restrictions, guaranteed issue and preexisting condition limitations.
Characteristics of Current and Potential Purchasers of Individual Health Insurance (Issue Brief), State Individual Insurance Markets and Impacts of Federal Reform, Barents Group, LLC, 1997, 6 pp., second in a series. This issue brief describes the 1996 employment, income and demographic characteristics of non-group purchasers, the uninsured and three subsets of the uninsured: individuals who appear to have enough financial resources to purchase health insurance, the self-employed, and children.
State Experiences with Individual Insurance Market Reform (Issue Brief), State Individual Insurance Markets and Impacts of Federal Reform, Barents Group LLC, 1997, 6 pp., third in a series. This issue brief examines changes in state regulation of the individual health insurance market that were implemented prior to the enactment of federal health insurance reform in 1996. It analyzes the legislation enacted and its impact on market composition, premiums and enrollment in four states that have had different experiences: Washington, New York, New Jersey and Wisconsin.
State Individual Health Insurance Markets and Impact of Federal Reform, Barents Group, LLC, May 1996, 41 pp. This report develops a typology of individual insurance market regulations along three dimensions: medical underwriting and ratings restrictions, guaranteed issue and pre-existing condition limitations. It also examines the impact of legislation on the individual insurance markets in New York and Washington and summarizes legislative proposals pending before Congress in early 1996: the Health Insurance Reform bill (S.1028), the Health Coverage Availability and Affordability Act of 1996 (H.R. 3103) as well as the National Association of Insurance Commissioners Model Act.