An Analysis of Benchmark Premiums in Year 2 of the Affordable Care Act Exchanges

This Saturday marks the beginning of the second annual open enrollment period for subsidized health insurance plans administered through the Affordable Care Act exchanges. The American Action Forum has examined the same segment of the market in all areas for which data is accessible—461 out of the 501 rating areas nationwide, covering 43 states.  Overall, we find that the benchmark premiums have increased by an average of 3.8 percent nationwide.

Who Still Needs CHIP?

The Children’s Health Insurance Program (CHIP) was designed in 1997 to provide health insurance to children whose family income exceeded Medicaid eligibility, but was insufficent to purchase private coverage.  However, with the implementation of the Affordable Care Act (ACA), many families no longer need CHIP. With funding set to expire next year, the question becomes: who still needs CHIP?

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