Leveraging 1332 State Innovation Waivers to Stabilize Individual Health Insurance Markets: Experiences of Alaska, Minnesota, and Oregon

This analysis examines the use of 1332 State Innovations Waivers to stabilize individual health insurance markets. SHADAC researchers compared the use of this strategy in Alaska, Minnesota, and Oregon, assessing how these states navigated the 1332 waiver process; identifying lessons learned about the process and about different reinsurance models; and discussing future concerns regarding the use of reinsurance programs.

To collect this information, SHADAC conducted an in-depth document review and qualitative interviews with 31 individuals—including state agency and executive staff, legislators, actuarial analysts, health plan representatives, program administrators, and other stakeholders—across the three study states.