Several new factors affected insurers as they set premiums for 2022, including generous subsidies from the 2021 American Rescue Plan Act, increased outreach and enrollment spending by the Biden administration, and an increasing number of insurers in the Marketplaces. Lower health premiums can help lower healthcare costs for consumers across the country.
Researchers find that overall Marketplace premiums decreased in 2022. It is unclear how the persistence of the pandemic and anticipated changes in the policy space, such as the end of the Medicaid continuous coverage requirement, will impact premiums going forward.
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