Medical Loss Ratio – Healthcare Economist

What was the impact of regulating markups for US health insurance?

2023-01-052023-01-05Jason Shafrin

Part of the Affordable Care Act mandated a medical loss ratio (MLR) for health plans in the individual and small group markets. What this means is that if the MLR is 80% and insurers charge $100 in premiums, plan enrollees must receive $80 in services on average. If they do not (say they only receive…

Does Obamacare Limit Profits for Health Insurance Companies in Your State?

2012-01-31Jason Shafrin3 Comments

One of the provisions in the Patient Protection and Affordable Care Act (a.k.a ACA, a.k.a. Health Reform, a.k.a. Obamacare) is that it limits the profits of health insurance companies. The ACA imposes a minimum medical loss ratio (MLR) on all insurers. The MLR is the amount of money spent on covered person medical care divided…