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Understanding the ACA’s Individual Market Reforms

There has been much in the news lately about the impacts of the Affordable Care Act’s reforms on the individual market. This document summarizes the reforms and their impacts for those who are interested.

The ACA’s reforms of the individual market include the following: guaranteed issue and renewal, no more pre-existing condition exclusions, rating reforms, minimum essential benefits, tiers of coverage, Exchanges, refundable tax credits, reference plans, and individual responsibility. We will discuss them in that order interspersed with several commonly asked questions.

Download the full report: Understanding the ACA's Individual Market Reforms Understanding the ACA's Individual Market Reforms.pdf

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