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The ACA’s Impact on Employer-Provided Health Benefits | RealClearHealth
According to the Centers for Medicare & Medicaid Services, employer-sponsored health benefits will cost $975.6 billion in 2016, or $5,697 per covered life. Direct and indirect ACA provisions likely increased the cost of employer-sponsored health benefits by 5.8 percent in 2016. This means the ACA likely cost employers $56.6 billion in 2016, or $330 per covered life.
The Pros and Cons of Selling Health Insurance Across State Lines | RealClearHealth
One other fact that is often overlooked in the debate over interstate competition: we already have it for most consumers. Employer-sponsored health plans account for more than 60% of Americans with health insurance. Most of those plans are “self-insured” and exempted from state regulation through the federal Employee Retirement Income Security Act. A market-based reform would help slow the growth of premiums for those plans, but an across-state-lines policy would affect individuals and some small employers and would not have an impact on larger firms.
Supporters of allowing insurers to sell across state lines are making an important policy point. Health insurance in this country is overly burdened by regulations that raise costs without providing value for many consumers. Even with substantial subsidies, enrollment in exchange plans has fallen well below what was expected when Obamacare was enacted. Reforms are needed to make the individual insurance market more responsive to consumers and taxpayers.
Regulatory competition is one tool in establishing a balance between cost and consumer protection in health insurance, but it must be part of a broader reform agenda to be effective.
ObamaCare Beyond the Handouts - WSJ
The right question about any program is whether the benefits justify the expenditure of taxpayer money. ObamaCare’s cheerleaders provide not cost-benefit analysis but benefit analysis—as if money grows on trees or is donated by Martians or can be printed in limitless quantities by the Fed.
