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Stabilizing Individual and Small Markets


Carriers remain concerned about the stability of the individual and small group health insurance markets, which were fundamentally changed under the ACA due to new enrollment rules and the removal of medical underwriting and pre-existing condition limitations. The HHS recently issued proposed regulations to limit enrollment in the federal and state-run exchanges in an effort to reduce adverse selection. These include:

  • Shortening the 2018 annual Marketplace open enrollment period so that it ends on December 15, 2017 instead of January 31, 2018;
  • Requiring increased verification of a special enrollment right before allowing an individual to purchase coverage outside of open enrollment; and
  • Not allowing an individual to purchase new coverage when prior coverage was termed due to non-payment of premiums, until the premium payments are made (if allowed by state law, and not allowed in the small employer SHOP).

If you have any questions about how the proposed regulations could affect your employees, please contact your Keller account team.


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