Did the ACA actually lower premiums? 5 observations

In 2014, average premiums fell under the Affordable Care Act, based on a HealthAffairs blog, according to CNBC. Healthcare analysts, Loren Adler and Paul Ginsburg, wrote the analysis.

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Here are five observations:

1. The analysis found the ACA’s silver plans had premiums between 10 percent and 21 percent lower in 2014 than average individual market premiums in 2013.

2. The analysts argue the premiums dropped following the ACA’s enactment in 2014.

3. Even if premiums increase between 10 percent and 15 percent in 2017, the analysts claim the number will still check in lower than premiums would have been without the ACA.

4. Because the ACA required all Americans to purchase health coverage or pay a fine, the health insurance market size expanded significantly, which dropped premium prices.

5. The ACA also established a transparent landscape, where payers had to compete with lower prices to survive.

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