Thank you for sharing!

Your article was successfully shared with the contacts you provided.
Man on chess board bringing more employer-subsidized purchasers into the individual market could stimulate more innovation and competition among insurers. (Photo: Shutterstock)

The commercial health insurance market traditionally been divided into three segments – individual, small group and large group. A new study from the Commonwealth Fund suggests that removing these boundaries may increase consumer options.

Until recently, many policymakers believed it was important to keep these market borders distinct to prevent opportunistic “border crossings” that exploit regulatory gaps and loopholes. Under the Affordable Care Act, however, the individual vs. small-group distinction is now much less important. It no longer is the case that an employee would receive inferior coverage if relegated to the individual market, nor would an individual encounter a substantially different set of market rules and conditions. The major difference remaining is simply the price of insurance.

Complete your profile to continue reading and get FREE access to BenefitsPRO.com, part of your ALM digital membership.

Your access to unlimited BenefitsPRO.com content isn’t changing.
Once you are an ALM digital member, you’ll receive:

  • Critical BenefitsPRO.com information including cutting edge post-reform success strategies, access to educational webcasts and videos, resources from industry leaders, and informative Newsletters.
  • Exclusive discounts on ALM, BenefitsPRO magazine and BenefitsPRO.com events.
  • Access to other award-winning ALM websites including ThinkAdvisor.com and Law.com

Already have an account?



Join BenefitsPRO

Don’t miss crucial news and insights you need to navigate the shifting employee benefits industry. Join BenefitsPRO.com now!

  • Unlimited access to BenefitsPRO.com - your roadmap to thriving in a disrupted environment
  • Access to other award-winning ALM websites including ThinkAdvisor.com and Law.com
  • Exclusive discounts on BenefitsPRO.com and ALM events.

Already have an account? Sign In Now
Join BenefitsPRO
Live Chat

Copyright © 2021 ALM Media Properties, LLC. All Rights Reserved.