Armed with more than three years of experience, the insurers have been able to better judge their expenses and set premiums accordingly. Indeed, premiums and costs would synchronize even better if not for the determined sabotage of congressional Republicans and the Trump administration, which injected new uncertainties into rate-setting in 2017 and 2018.
Trump also reduced spending on advertising and outreach sharply, raising doubts about enrollment. “Without these policy changes,” the Kaiser Family Foundation report says, “it is likely that insurers would generally have required only modest premium increases in 2018.” But the political uncertainties created in Washington supplanted the market uncertainties that the insurers finally had figured out.
hiltzikm Did they learn? Or did the market change to benefit them? What were actuaries saying in the summer of 2017?
hiltzikm It was inevitable once the initial rush of previously uninsured people received treatment for various long term problems. It has started to balance out. Now, if the insurance companies could force the reduction in costs, the system will start to work.
hiltzikm It's like the industry didn't understand it had 30,000,000 new customers.
hiltzikm ProtectOurCare
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