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Health insurers' operations in the face of health care reform : an analysis of the supplemental health care exhibit

Recurso electrónico / Electronic resource
MARC record
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005  20201001125742.0
008  201001e20200901usa|||p |0|||b|eng d
040  ‎$a‎MAP‎$b‎spa‎$d‎MAP
084  ‎$a‎344.1
100  ‎$0‎MAPA20110011826‎$a‎Lei, Yu
24510‎$a‎Health insurers' operations in the face of health care reform‎$b‎: an analysis of the supplemental health care exhibit‎$c‎Yu Lei, Mark J. Browne
520  ‎$a‎The Patient Protection and Affordable Care Act (ACA) introduced significant changes to the health insurance marketplace in the United States. The act also imposed reporting requirements on insurers. The law has required insurers since 2010 to file yearly the Supplemental Health Care Exhibit (SHCE). The SHCE provides unique information on how health insurers operate. We analyze data in the SCHE to understand how insurers have complied with one of the major new regulations affecting health insurers' operations arising from the ACAthe Medical Loss Ratio (MLR) Provision.This requires that insurers spend a minimum percentage of their premium revenue on medical claims, quality improvement expenses, and deductible fraud and abuse detection and recovery expenses. Our analysis of the 20102017 SHCE indicates that insurers' underwriting performance worsened in the early years of the ACA as they worked to increase MLRs to become ACA-compliant. Analysis of the SHCE further reveals that insurers' profits from managing uninsured plans grew as the profitability of underwriting insured plans decreased. Future research on health insurer operations is warranted. The currently underutilized and data-rich SHCE provides unique information that makes future research possible.
650 4‎$0‎MAPA20080586294‎$a‎Mercado de seguros
650 4‎$0‎MAPA20080590567‎$a‎Empresas de seguros
650 4‎$0‎MAPA20080573867‎$a‎Seguro de salud
650 4‎$0‎MAPA20080594794‎$a‎Asistencia sanitaria
651 1‎$0‎MAPA20080638337‎$a‎Estados Unidos
700  ‎$0‎MAPA20080648725‎$a‎Browne, Mark J.
7730 ‎$w‎MAP20077001748‎$t‎Risk management & insurance review‎$d‎Malden, MA : The American Risk and Insurance Association by Blackwell Publishing, 1999-‎$x‎1098-1616‎$g‎01/09/2020 Tomo 23 Número 3 - 2020 , p. 277-286