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翻訳と辞書　辞書検索 [ 開発暫定版 ] スポンサード リンク Patient Protection and Affordable Care Act Health Insurance Rate Review Program ： ウィキペディア英語版 Patient Protection and Affordable Care Act Health Insurance Rate Review Program The Patient Protection and Affordable Care Act (ACA) established the health insurance rate review program in order to protect consumers from unreasonable rate increases.〔(“Quantifying the Effects of Health Insurance Rate Review” ). Kaiser Family Foundation (2012-10). Retrieved 2014-02-23.〕 Through this program, proposed premium increases in the small group and individual markets that are above a threshold amount (ten percent or more, as of February 2014) are reviewed by states or the federal government to determine whether the increases are reasonable. == Background == Health insurance premiums have risen steadily from 2000 to 2009 and have outpaced general inflation and wages.〔Cassidy, Amanda (2011-03-11). (“‘Unreasonable’ Insurance Rate Increases” ). Retrieved 2014-02-23.〕 A number of factors have contributed to rising premiums including increases in spending on hospital and physician services, changes in the benefits covered by health insurance policies, and changes in the demographics of insured individuals.〔Cassidy, Amanda (2011-03-11). (“‘Unreasonable’ Insurance Rate Increases” ). Retrieved 2014-02-23.〕 Even before the passage of the ACA, many states already had existing health insurance rate review programs to review proposed increases in insurance premiums. However, there was marked variation between the states’ programs. Namely, there was variation in the review processes as well as the market segments (i.e. individual, small group) for which the review processes were applied.〔(“Quantifying the Effects of Health Insurance Rate Review” ). Kaiser Family Foundation (2012-10). Retrieved 2014-02-23.〕 The type of information that was made available to the public also differed among the various states with review programs.〔(“State Approval of Health Insurance Rate Increases” ). National Conference of State Legislatures (2013). Retrieved 2014-02-23.〕 Furthermore, there were differences in regards to the threshold amount that triggered a review.〔(“Quantifying the Effects of Health Insurance Rate Review” ). Kaiser Family Foundation (2012-10). Retrieved 2014-02-23.〕 Some states, in fact, reviewed all proposed rate changes regardless of size.〔(“Quantifying the Effects of Health Insurance Rate Review” ). Kaiser Family Foundation (2012-10). Retrieved 2014-02-23.〕 With passage of the ACA, much of this variability is reduced as it sets a minimum set of requirements for rate review programs. The ACA also allocates grants to states to enhance their rate review activities.〔(“Quantifying the Effects of Health Insurance Rate Review” ). Kaiser Family Foundation (2012-10). Retrieved 2014-02-23.〕 抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』 ■ウィキペディアで「Patient Protection and Affordable Care Act Health Insurance Rate Review Program」の詳細全文を読む スポンサード リンク 翻訳と辞書 : 翻訳のためのインターネットリソース Copyright(C) kotoba.ne.jp 1997-2016. All Rights Reserved.