The effects of the Patient Protection
and Affordable Care Act (ACA) on the individual health insurance market
continue to evolve. With 2014 being the first year of implementation,
participating insurers have been scrambling to get pricing prepared for
the plans offered on the state health exchanges, also commonly referred
to as Health Insurance Marketplaces. To succeed in this dynamic
environment, insurers need to look as far ahead as possible. There are several known regulatory and market differences that will
become effective in 2015 that are almost certain to be relevant to
pricing. Items such as the reduction in the federal transitional
reinsurance program and increases in the Patient Protection and
Affordable Care Act (ACA) insurer fees will influence pricing.
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