In jjchern/himrr: ACA Health Insurance Market Rating Reforms

knitr::opts_chunk$set(
  collapse = TRUE,
  comment = "#>",
  fig.path = "README-"
)

About

himrr is an R data package for policy parameters specified by ACA's Health Insurance Market Rating Reform.

Premiums in Health Insurance Marketplace are regulated under the Affordable Care Act (ACA). Specifically, 45 CFR 147.102 - Fair health insurance premiums provides a federal default of

1. Age rating ratios of 3:1,
2. Federally established age curve,
3. Tobacco rating ratios of no more than 1.5:1,
4. Two tiers: one tier for all adults and a second tier for all children under 21, and
5. Per member rating.

States can request a standard lower than the federal standard. For example, DC, MA, NY, and UT have their own age curve for both individual and small group markets, and NJ has specific age curve for small group market.

Source

• Market Rating Reforms, State Specific Rating Variations, CCIIO; Updated February 26, 2016.

Installation

# install.packages("devtools")
devtools::install_github("jjchern/himrr")

Usage

himrr's Three Tibbles

himrr includes three datasets:

• himrr::default for federal default,
• himrr::im for state-specific rating variations in individual market, and
• himrr::sgm for state-specific rating variations in small group market.

library(dplyr, warn.conflicts = FALSE)
himrr::default
himrr::im
himrr::sgm

State Specific Age Curves for Individual Market

himrr::im %>% 
        select(state, age_curve) %>% 
        tidyr::unnest() 

State Specific Family Tiers for Individual Market

himrr::im %>% 
        select(state, family_tiers) %>% 
        mutate(state = if_else(family_tiers == "Uniform", "Other States", state)) %>% 
        distinct() %>% 
        knitr::kable()

Reference

• KFF - Health Insurance & Managed Care
• The Affordable Care Act: Rating Factor Limitations

jjchern/himrr documentation built on May 19, 2019, 11:38 a.m.