A new analysis from consultant Oliver Wyman says that ifCongress and the administration take just four steps, they couldnot only substantially boost health care enrollment, but also cutpremiums — all without changing the Affordable Care Act.

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NPR reports that the four steps would stabilize theinsurance markets and increase enrollment by approximately twomillion people, all while cutting premiums by more than 20 percentand remaining revenue neutral.

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The release of the paper comes only a few days prior to plannedhearings by the Senate Health, Education, Labor and PensionsCommittee on how to stabilize markets in the short term.

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While the analysis finds that approximately 17 million peoplewill be buying coverage on the exchanges next year, with many ofthem outside the ACA marketplaces, implementing those four actionswould result in about 19 million people buying coverage, whilereducing the average monthly premium from $486 to $384.

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Related: Sebelius:'No question' Trump, GOP sabotaging ACA

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1. Making the cost-sharing reduction payments that thepresident has said he wants to end.

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The payments, which are reimbursement for discounts oncopayments and deductibles the companies are required by law togive to low-income customers, were implemented by the Obamaadministration.

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However, fears that the Trump administration will end them —thus increasing insurers’ costs — have gone a long way towarddestabilizing the markets as insurers either hike rates or exitmarkets in an effort to avoid losing money.

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2. Creation of a reinsuranceprogram.

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While the ACA included a temporary reinsurance program toprotect insurance companies from massive losses during thetransition to the new market once the law took effect, such aprogram would help to prevent higher rates caused by high-riskpools being imposed across all customers.

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3. Enforcement of the individual mandate.

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Trump has openly advocated against this, in fact suggesting thatthe Internal Revenue Service not take any action to pursue.

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While the ACA requires that people who are uninsured and do notbuy coverage pay a penalty of $695 or even more, failure to enforcethe mandate allows healthy people to simply sit out the marketwhile people with health problems buy coverage; that raises thecost of coverage not just for them, but for all insureds.

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Also: 10most influential people in health care

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4. Elimination of the health insurance tax.

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The analysis says that eliminating the tax on insurers that iscurrently required by the ACA — which helps offset the costs offederal subsidies that assist people buying policies on the ACAmarkets — would cut premiums by about 3 percent in 2018.

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The tax was not charged this year under a moratorium passed byCongress, and if it were eliminated, the analysis says, premiumswould fall.

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