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.     

基于WOS的国际营养护理研究热点可视化分析

目的:系统分析近5年国际营养护理研究热点态势,为国内营养护理研究提供思路.方法:检索2014年—2019年Web of Science核心合集数据库中与营养护理相关的文献,并运用可视化分析软件CiteSpace对该领域内的研究机构、核心期刊、被引文献、高频词等进行分析,构建可视化图谱.结果:国际营养护理研究起步较晚,研究机构主要集中在美国为主的高校内;核心期刊主要有《AMERICAN JOURNAL OF CLINICAL NUTRITION》《PLOS ONE》《JOURNAL OF ADVANCED NURSING》等期刊物;关键词共现聚类分析共得出营养缺失病人危险因素、肥胖的管理、健康管理与照护干预、不同人群营养护理、营养失调所致急慢性疾病照护、营养相关健康教育与知识6个国际研究热点.结论:本研究反映了国际营养护理的热点与趋势,对国内该领域的研究具有一定的启示作用,应循着本研究得出的热点深入探寻国内营养护理事业,缩小与美国营养护理研究的差距.