Question

1) The ACA prohibits medical underwriting in the nongroup market. What effect will this prohibition have on the premiums of healthy and unhealthy enrollees?

The ACA also prohibits gender differences in premiums in the exchanges. What effect is this likely to have on premiums?

2) How might an insurer offering coverage in the state individual insurance exchanges be able to influence the mix of healthy people enrolled in its plan even in the face of prohibition on using health status?

Answer 1

Ansne ACA is main Burbose to lower hoalth cate Cost overtime There are man advantages ot it is va good idea as 0 The major benafit of ACA is that it lowers the rise Realth ae Coct People can e veeieve treatment bebore.they nood emergencd γοο m Servicas O 1 covex mosty all insurone Blon to tover essentral health benafits These includs reatment of mental health , aidiction and Chronic dliteaso O nsuTonce company cannot olony anyone Loverage for pre-Exicting Condition he naion businesses altogeher iom ha .Unbloye从, and no one, loithout health truu Yance cushi Insurane kor thair bunden ppoviding h uuptloyees, and Under a ingle aye lytemeyone is insured fewool, rom Ah evod rom the cradle o the nave. Under Snale esse terbeinvefaled upon in marter pace rience 6飞 8hoppi th normaion avd au th he delter have advantages never toke laca

The ACA Limied Insurers Abdity to prevent adverse selection ìn 8everal a*· 'Health insurance conuponies ould vse lunderoniing to tryto dvoidadverse selection The ACA (abordable core act) in cluds- り Prohibits fealth insu rers ,rom refusing to sell health insurance to Beople oith bre-exist Concitionu 2) Tt also tohibits insurers rom chorgina oble with巾re-existing conditions More than lt charges Realthy uniform紕6b) essential' hoalth/benetits ACA eliminated mory tbolk 0alh insure wed to prevent advese selecon in tha Market s) ft Yequires all jagul residents 01 the ( 、 nuance Ihes enourage people to envol in Realth plan sitt, how or Moderate incomes Heatth uran ce those