Private health insurance is the predominant form of health insurance coverage in the United States, covering about two-thirds of Americans in 2014. The Patient Protection and Affordable Care Act (ACA;P.L. 111-148, as amended) builds on and modifies existing sources of private health insurance c...
current ACA regulations only require that the employee be offered minimum value coverage. Spousal coverage is entirely optional, and compliant health coverage offered to dependent children may be lower than the minimum value. The
The researchers also created a profile of a 29-year-old consumer seeking insurance who was in good health and with an income of $20,000 so she was eligible for premium subsidies for ACA-compliant coverage. They entered this consumer’s information into several lead-generating websites and fiel...