Making Health Care Work for Every American: Recommendations for Regulatory and Administrative Fixes to Promote Short-Term Stability in the Individual Market

Every American deserves affordable coverage of high-quality care. Given the experience of the last three years in the individual market, it is now clear that some regulations to implement provisions of the Affordable Care Act are overly cumbersome or have not worked as intended. As a result, hard-working Americans who buy coverage in the individual market have faced higher premiums and fewer choices. To provide strong signals that would promote greater stability in the individual market, improve affordability and choice, and enhance the value of coverage to consumers, we recommend the following regulatory and administrative fixes be acted upon as soon as possible in tandem with our recommendations for ensuring a stable transition.