{
  "id": "R41439",
  "type": "CRS Report",
  "typeId": "REPORTS",
  "number": "R41439",
  "active": false,
  "source": "EveryCRSReport.com",
  "versions": [
    {
      "source": "EveryCRSReport.com",
      "id": 392809,
      "date": "2011-05-13",
      "retrieved": "2016-04-07T00:52:01.703748",
      "title": "Health Insurance Agents and Brokers in the Reformed Health Insurance Market",
      "summary": "Health insurance agents and brokers, collectively called \u201cproducers\u201d by insurance companies, assist consumers and small employers in choosing and enrolling in health insurance products. Producers are licensed and regulated by the states. Traditionally, the federal government has had no role in regulating producer activities outside of federal programs such as Medicare Advantage. The Patient Protection and Affordable Care Act (P.L. 111-148, PPACA), as amended, creates a limited federal role in developing standards for the use of producers in the health insurance exchanges, which are competitive regulated markets effective January 1, 2014. The additional regulation of producers and alternative health insurance information (e.g., the online insurance portal) and assistance services available to consumers may limit the traditional demand for producers\u2019 services. \nPPACA also has a minimum medical loss ratio provision requiring plans to pay rebates to their members if a certain percentage of their premiums are not spent on medical costs. This provision may provide an incentive for health insurance companies to reduce their compensation to and/or utilization of producers as they seek to reduce their administrative costs in relation to their medical costs. \nThis report will be updated to reflect relevant legislative and regulatory activity.",
      "type": "CRS Report",
      "typeId": "REPORTS",
      "active": false,
      "formats": [
        {
          "format": "HTML",
          "encoding": "utf-8",
          "url": "http://www.crs.gov/Reports/R41439",
          "sha1": "de449e89f8e9d8cc56dd3523a0ce983a2cdae874",
          "filename": "files/20110513_R41439_de449e89f8e9d8cc56dd3523a0ce983a2cdae874.html",
          "images": null
        },
        {
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          "url": "http://www.crs.gov/Reports/pdf/R41439",
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        }
      ],
      "topics": []
    }
  ],
  "topics": [
    "Health Policy"
  ]
}