{
  "id": "R43854",
  "type": "CRS Report",
  "typeId": "REPORTS",
  "number": "R43854",
  "active": true,
  "source": "EveryCRSReport.com, University of North Texas Libraries Government Documents Department",
  "versions": [
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      "id": 451402,
      "date": "2016-04-05",
      "retrieved": "2016-04-06T16:46:26.059300",
      "title": "Overview of Private Health Insurance Provisions in the Patient Protection and Affordable Care Act (ACA)",
      "summary": "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 coverage\u2014the non-group (individual), small-group, and large-group markets. The ACA provisions follow a federalist model in which they establish federal minimum requirements and give states the authority to enforce and expand those federal standards.\nThe ACA includes provisions that restructure the private health insurance market by\nimplementing market reforms that impose requirements on insurers and sponsors of health insurance (e.g., employers); \ncreating health insurance exchanges (marketplaces) in which individuals and small businesses can shop for and purchase private health plans that meet or exceed federal standards; \nproviding financial assistance to qualified individuals and small employers who purchase health plans through an exchange;\nestablishing an individual mandate, which requires most individuals to either maintain health insurance coverage or pay a penalty; \ncreating three risk mitigation programs to help health insurance issuers adjust to the reformed private health insurance landscape;\nassessing penalties on certain employers that either do not provide health insurance or provide health insurance that does not meet certain criteria; and\nincluding some state-option provisions, which states may choose to implement.\nThis report provides a broad overview of some of the private health insurance provisions in the ACA and directs readers to more in-depth CRS reports.",
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      ],
      "topics": [
        {
          "source": "IBCList",
          "id": 3746,
          "name": "Health Care Reform"
        }
      ]
    },
    {
      "source": "University of North Texas Libraries Government Documents Department",
      "sourceLink": "https://digital.library.unt.edu/ark:/67531/metadc816866/",
      "id": "R43854_2015Jan08",
      "date": "2015-01-08",
      "retrieved": "2016-03-19T13:57:26",
      "title": "Overview of Private Health Insurance Provisions in the Patient Protection and Affordable Care Act (ACA)",
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      "type": "CRS Report",
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      "topics": []
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  ],
  "topics": [
    "Domestic Social Policy",
    "Health Policy"
  ]
}