The persistency of U.S. individual health insurance business might have been low even before Patient Protection and Affordable Care Act rules started taking effect.

Dr. Benjamin Sommers – Harvard University economist and U.S. Department of Health and Human Services planning office advisor – makes that argument in a paper published by Health Affairs, a health policy academic journal.

PPACA critics drew attention to a wave of individual and family health insurance policy cancellations in late 2013.

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Allison Bell

Allison Bell, a senior reporter at ThinkAdvisor and BenefitsPRO, previously was an associate editor at National Underwriter Life & Health. She has a bachelor's degree in economics from Washington University in St. Louis and a master's degree in journalism from the Medill School of Journalism at Northwestern University. She can be reached through X at @Think_Allison.