Patient Protection and Affordable Care Act provisions seemed to have a modest effect on health insurance premiums from mid-2012 through mid-2013.
Michael McCue, a health administration professor at Virginia Commonwealth University, and Mark Hall, a law professor at Wake Forest University, come to that conclusion in a paper based on analysis of rate filings filed from June 2012 through June 2013.
The researchers found that insurers mentioned PPACA provisions other than the MLR provision as a reason for a rate increase more than half the time.
Carriers cited non-MLR PPACA provisions in 39 percent of the individual market filings and 62 percent of the small-group market filings.
The researchers found that 94 filings mentioned the women’s preventive services mandate, and 65 estimated the financial impact. Financial impact estimates ranged from 0 percent of premium, in three filings, to 4.5 percent of premium. The median impact was 0.8 percent of premium.