Effects of state reinsurance programs on health insurance exchange premiums and insurer participation

Objective

The aim of the study was to estimate the effect of the state-based reinsurance programs through the section 1332 State Innovation Waivers on health insurance marketplace premiums and insurer participation.

Data Source

2015 to 2022 Robert Wood Johnson Foundation Health Insurance Exchange Compare Datasets.

Study Design

An event study difference-in-differences (DD) model separately for each year of implementation and a synthetic control method (SCM) are used to estimate year-by-year effects following program implementation.

Data Collection/Extraction Methods

Not applicable.

Principal Findings

Reinsurance programs were associated with a decline in premiums in the first year of implementation by 10%–13%, 5%–19%, and 11%–17% for bronze, silver, and gold plans (p < 0.05). There is a trend of sustained declines especially for states that implemented their programs in 2019 and 2020. The SCM analyses suggest some effect heterogeneity across states but also premium declines across most states. There is no evidence that reinsurance programs affected insurer participation.

Conclusion

State-based reinsurance programs have the potential to improve the affordability of health insurance coverage. However, reinsurance programs do not appear to have had an effect on insurer participation, highlighting the need for policy makers to consider complementary strategies to encourage insurer participation.     

王琦教授新冠肺炎预防方预防新型冠状病毒肺炎机制的网络药理学探讨＊

目的 借助网络药理学的方法，探究两组王琦教授新冠肺炎预防方（简称预防方）预防新型冠状病毒肺炎（COVID-19）的分子靶点和机制。方法 通过TCMSP数据库检索并筛选其活性成分及其作用靶点，通过Uniprot数据库进行蛋白标准化处理。从Genecards数据库中以“Novel coronavirus pneumonia”为关键词搜索获取COVID-19的靶标，构建相交靶点韦恩图。通过cytoscape3.7.2构建PPI蛋白互作网络，寻找富集数目最多的靶点。通过R语言对预防方治疗COVID-19的靶点进行GO和KEGG富集分析，并绘制气泡图。结果 预防方与新冠肺炎相关靶点涉IL-6、TNF、CXCL8、VEGFA、MMP9；GO功能富集分析分别获得53、57条通路；27、29条KEGG相关信号通路。结论 王琦教授新冠肺炎预防方中的主要活性成分为槲皮素、山奈酚、木犀草素、β-谷甾醇、植物甾醇等，可能通过作用于IL-6、TNF、CXCL8、VEGFA、MMP9、CXCL8、IL10、CCL2、IL1B等靶点和介导TNF信号通路、T细胞受体信号通路、Toll样受体信号通路等发挥作用，从而促进免疫反应、炎症反应及细菌防御反应，预防COVID-19。