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The Continuing Debate on Health Insurance Reform

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  • Scott E. Harrington

Abstract

This Policy Brief provides an overview of the 2010 Affordable Care Act and perspective on some of its key provisions affecting health insurance. Following a synopsis of the main problems that confront U.S. health care and insurance, it considers the extent to which the Affordable Care Act (ACA) will affect those problems, including the ACA’s minimum medical loss ratio and rate review requirements for health insurers. It discusses the economics of the individual mandate, implications of possible court rulings on the mandate’s constitutionality, and implementation of the ACA to date. It concludes with brief description of market-oriented alternatives to the ACA that will likely be considered if the Republicans win the 2012 presidential election, retain the House, and capture a sufficient majority in the Senate.

Suggested Citation

  • Scott E. Harrington, 2011. "The Continuing Debate on Health Insurance Reform," NFI Policy Briefs 2011-PB-09, Indiana State University, Scott College of Business, Networks Financial Institute.
    • Handle: RePEc:nfi:nfipbs:2011-pb-09
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    File URL: http://www.indstate.edu/business/sites/business.indstate.edu/files/Docs/2011-PB-09_Harrington.pdf
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    References listed on IDEAS

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    1. Gaynor, Martin & Town, Robert J., 2011. "Competition in Health Care Markets," Handbook of Health Economics, in: Mark V. Pauly & Thomas G. Mcguire & Pedro P. Barros (ed.), Handbook of Health Economics, volume 2, chapter 0, pages 499-637, Elsevier.
    2. Randall D. Cebul & James B. Rebitzer & Lowell J. Taylor & Mark E. Votruba, 2011. "Unhealthy Insurance Markets: Search Frictions and the Cost and Quality of Health Insurance," American Economic Review, American Economic Association, vol. 101(5), pages 1842-1871, August.
    3. Leemore Dafny, 2008. "Are Health Insurance Markets Competitive?," NBER Working Papers 14572, National Bureau of Economic Research, Inc.
    4. Moriya, Asako S. & Vogt, William B. & Gaynor, Martin, 2010. "Hospital prices and market structure in the hospital and insurance industries," Health Economics, Policy and Law, Cambridge University Press, vol. 5(4), pages 459-479, October.
    5. Douglas W. Elmendorf, 2011. "Testimony on CBO's Analysis of the Major Health Care Legislation Enacted in March 2010," Reports 22077, Congressional Budget Office.
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