As Policymakers Debate Medicare-for-All, Analysis Finds the Medicare Advantage, Individual and Group Health Insurance Markets Appear to Be Profitable, Especially Medicare Advantage

KFF Health News August 5, 2019

Three key private health insurance markets — Medicare Advantage, the individual market and the fully-insured group market — appear to be financially healthy and attractive to insurers, according to a new KFF analysis.

The private Medicare Advantage market generates significantly larger gross margins per person than the individual market or fully-insured market, the analysis finds. The future of these markets has become a focus for policymakers amid the debate over Medicare for All. Some proposals would essentially eliminate private health insurance, while others would retain a role for it but create a new public program to promote affordability and expanded coverage. Some of these proposals would allow insurers to contract with the federal government’s public option to provide coverage, modeled...

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