Health insurers have been making big bets on the ACA, and they’ve done a lot of it well.
As the ACA struggles to come together, health insurers are betting that the law will ultimately deliver big benefits.
But how well they’re doing it and what that means for health insurance consumers is the subject of a fresh, hotly debated study by a group of researchers at Harvard and Northeastern University.
The study, which was published online on Monday in the Proceedings of the National Academy of Sciences, looks at how health insurers have handled a big push to expand insurance in the exchanges.
And what they found isn’t pretty.
The researchers, including a team of medical students at Harvard, found that insurers have struggled to respond to the ACA.
The health insurers had to adapt to the new insurance system, which they say was built to provide lower-cost, healthier options.
But when insurers did start offering insurance in March, their coverage rates fell, and in some cases they fell further than they were able to afford, according to the researchers.
Health insurers had been able to offer plans that were cheaper than the health plans that are available now, but when they started offering plans, the plans they were selling were expensive, and many insurers were offering them at significantly higher prices than they had previously offered, the researchers wrote.
In the end, their study found, the ACA “failed to achieve its original goals, leading to lower health care spending and more costly health care coverage for many consumers.”
What the study also found was that health insurers were “generally able to meet their enrollment goals and to achieve the financial benefits they had hoped for.”
The insurers’ efforts to improve their products were successful, but their attempts to deliver them in ways that didn’t undermine the health insurance marketplaces were less so, the authors write.
This was a time of relative calm in health care policy, they wrote.
While health insurers could have taken a few steps to mitigate costs, their efforts to do so, including by providing lower premiums to lower-income consumers, did not produce the promised benefits.
The ACA has had a hard time keeping up with the pace of changes in the health care industry, with insurers offering plans that they could barely afford to offer at the time of the ACA signing.
But the study suggests that the ACA has actually done well, and insurers are continuing to offer low-cost plans that will keep their consumers healthier.
The authors found that health insurance companies responded to the health exchanges better than they could have hoped.
The biggest losers among the insurers are small businesses and older consumers, who generally pay higher premiums than younger consumers, and who may not be able to access affordable insurance plans.
But they are not alone.
The insurers were also able to adjust their health care offerings to respond better to the needs of the insurance market and to the costs that the marketplaces are adjusting to.
For instance, health plans can now offer coverage that is lower in the cost of a plan than a traditional insurance plan.
In a few states, plans can no longer offer plans with a deductible that exceeds $5,000.
Other plans will have to offer coverage with a high deductible.
The overall number of insurers offering insurance through the exchanges was also higher than it was in the past.
But while insurers could afford to make some of these adjustments to their plans, they were unable to fully adapt.
The average health insurance plan is now cheaper than it has been in a decade, but the insurers weren’t able to respond in a way that would provide better coverage.
So while the ACA may have created a health insurance system that’s better for consumers than what they had before, the study finds that insurers are doing so in a bad way.