Evaluation of Risk Selection in Market-Based State Programs

 
Maine, Massachusetts, and New York each have sponsored voluntary health insurance programs that offer private coverage to small businesses, self-employed workers and other individuals with limited access to affordable insurance. This study will assess the reforms’ experience with risk selection using a mixed-methods approach in which empirical analyses will be used to quantify risk selection in state programs supplemented with interviews with state officials and major carriers. The quantitative analyses will rely on claims data, program administrative data, insurers’ annual financial reports and state-specific data from the BRFSS.