How Insurers Have Fared Under the ACA

The first full year of implementation of the Affordable Care Act (ACA) brought substantial changes to the individual insurance market. Beginning in 2014, insurers could no longer turn down applicants with pre-existing health conditions or charge them higher premiums. The so-called “individual mandate” required people to obtain coverage or pay a penalty, and federal subsidies available in the new health insurance Marketplaces made coverage more affordable for low and middle income enrollees. Overall, enrollment in the individual market grew by 46% in 2014.

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