Health insurance carriers have not poached healthier customers from the exchanges for plans sold outside the exchanges, which some feared would lead to adverse selection in the public exchange market, concludes a recent issue brief by the Commonwealth Fund. The research, in fact, shows that most of their off-exchange sales involve generous benefits that appeal to sicker populations.
“We see little evidence of insurers actively pursuing risk segmentation in their offerings on and off the exchanges,” according to the report. Data for this analysis from unified rate review template spreadsheets for 2015 examined 570 insurers with 1,060 product lines.
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