What should health plan issuers know about HR 6311 and ACA risk pools?

Congress continues to introduce tweaks to the Patient Protection and Affordable Care Act (ACA). One such bill, “H.R. 6311 – Increasing Access to Lower Premium Plans and Expanding Health Savings Accounts Act of 2018,” could have major consequences for ACA plans if made into law, including exposing plans to significant rating risk if rates are not adjusted accordingly. This paper by Milliman’s Jason Karcher and Jeffrey Milton-Hall considers six features and potential outcomes of the bill that every individual ACA health plan should know.