Issues

Improving the individual market

Blue Cross and Blue Shield companies have participated broadly in the marketplaces established under the 2010 health reform law. Today, in about one-third of all U.S. counties, particularly in rural areas, we are the only insurance carrier offering coverage through this program.

We believe everyone should have access to healthcare, no matter who you are or where you live. But in order to ensure that all Americans have access to quality, affordable coverage, lawmakers must act to stabilize the individual market so consumers can have the choices they need at a price they can afford.  

14.4 MILLION PEOPLE PURCHASE COVERAGE in the individual market.

Source: The Henry J. Kaiser Family Foundation. “Data Note: Changes in Enrollment in the Individual Health Insurance Market.” July 2018

64% OF ENROLEES receive tax credits to help them afford coverage.

Source: The Henry J. Kaiser Family Foundation. “Data Note: Changes in Enrollment in the Individual Health Insurance Market.” July 2018

5% OF ENROLEES have medical needs that drive 60%OF CLAIMS COSTS.

Source: 2016 Individual Market BCBS claims data from Blue Health Intelligence

The Latest

Majority of Americans already have coverage; how we can expand it to all

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WE SUPPORT THREE STRATEGIES TO HELP STABILIZE THE INDIVIDUAL MARKET, LOWER PREMIUMS AND INCREASE CHOICES FOR CONSUMERS

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IMPLEMENT REINSURANCE

Enact reinsurance to support the cost of care for people with significant medical needs and reduce premiums for all.

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PROTECT CONSUMERS

Avoid more disruptions in the market that undermine comprehensive coverage and raise prices for those most in need of care.

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SUPPORT STATES

Empower state officials to regulate their local markets and protect consumers.

Learn more about what we recommend to help stabilize the individual and small group markets.

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