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.     

牙支持3D导板辅助穿刺卵圆孔射频热凝治疗三叉神经痛的疗效分析

目的:探讨牙支持式3D打印导板辅助穿刺卵圆孔射频热凝治疗三叉神经痛术中术后的疗效分析.方法:对2019年1月～2021年5月收治的三叉神经痛患者40人,根据患者需要随机分成2组:A组(对照组),常规按照Hartel前入路法穿刺卵圆孔,进入卵圆孔后,耳-床线定位确定入颅深度后行射频治疗.B组(导板组),采用3D导板,给患者戴上导板固定后,完成穿刺,耳-床线定位确定入颅深度后行射频治疗.分析2组的术前疼痛评分(VAS)术后即刻及术后1月疼痛消失的有效率,手术时间,穿刺次数,并发症,穿刺的偏移程度.结果:与对照组A组比较在术后即刻有效率、术后1月随访有效率比较无统计学差异(P>0.05).在穿刺次数、穿刺偏移率、手术时间、并发症两组间比较有统计学差异(P<0.05).导板与牙齿紧密贴合率100％.结论:3D打印导板应用于穿刺卵圆孔具有明显的优势,可以减少患者创伤,减少X线辐射,减少穿刺偏移,术后疗效肯定,值得广泛应用.