What’s Behind 2018 and 2019 Marketplace Insurer Participation and Pricing Decisions?

The Urban Institute conducted interviews with marketplace administrators and insurers selling marketplace coverage in ten states: California, Florida, Georgia, Indiana, Maryland, Minnesota, Ohio, Virginia, Washington, and West Virginia. They analyze marketplace insurer participation and pricing decisions, as well as several related topics: movement to narrow-network insurance products; the introduction of short-term, limited duration plans; the impact of reinsurance programs in two study states; and the impact of “silver loading,” the practice of increasing silver premiums to account for insurer costs of providing cost-sharing subsidies, on enrollment in bronze and gold plans.