Democrats' 11th-hour scramble to avoid steep Affordable Care Act premium increases for enrollees next year glosses over the reality that premiums are going up for many people regardless, thanks to the steady upward march of health care prices.
Some healthier people could exit the individual markets if the enhanced subsidies expire, leaving a sicker pool of enrollees that could drive costs higher, said Cynthia Cox, vice president at KFF.won’t have as much of a bearing on health costs as increased demand from consumers who deferred care during the pandemic, and surging labor and supply costs.
Most of the carriers didn't break out their big cost-drivers in the rate filings, though experts anticipate strong demand for mental health services and telemedicine in some specialty areas.Insurers say Congress holds the key to whether individual coverage remains affordable for nearly 20 million people.
Insurers were largely insulated from COVID-19's toll, in large part because people delayed other care. Carriers that had to pay more medical claims raised premiums on employers and consumers.
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