Question

Exhibit G.9 summarizes the modeled changes in enrollment and average monthly costs for individuals with non-group insurance (including and excluding the high-risk pool) and for the uninsured and Medicaid. EXHIBIT G.9 Current Law ACA Percent Change Distribution Average Monthly Average Monthly Cost of Non-Group Average Monthly Cost Coverage Includes High Risk Pool, by Number Cost Number Number $353 $464 83.9% Non-group 240,317 including high-risk pool 31.4% 442,021 Age 79.8% $464 105.2% $258 442,021 Non-group 215,407 excluding high-risk pool -22.1% $120 -54.2% 276,034 $154 602,647 Uninsured 6.4% 24.1% $418 916,889 $393 Medicaid 738,645 Source: SOA (2013). (continued from previous page) QUESTIONS 35. Are the individuals covered by non-group insurance after the ACA modeled to have, on average, more morbidity than those in non- group (excluding the high-risk pool) before ACA? 36. The remaining uninsured after the ACA are modeled to have 30 percent lower average monthly cost than the uninsured before the ACA. Did the uninsured who obtained coverage after the ACA have, on average, more or less morbidity than those who remained uninsured?

Answer 1

35. The individuals covered by non group insurance after the ACA are modeled to have higher morbidity than those in non group (excluding the high risk pool) before the ACA. This is supported by the fact that % increase in cost is 79.8% for person excluding high risk pool compared to only 31.4% for persons including high risk pool.

36. The uninsured who obtained coverage after ACA have less morbidity. This is supported by the fact that their costs have come down from $154 to $120 after ACA