The Need for Continued Consumer Protections and Stability in State Insurance Markets in a Climate of Federal Uncertainty

This report discusses the need for consumers to access high-quality health insurance products—regardless of whether and how changes are made at the federal level—and the likely impact that some proposed ACA replacement policies will have on state insurance markets and consumers. We also describe the progress that has been made in reducing the uninsured rate since 2010 and identify guiding principles that we urge policymakers to apply when considering further changes to the market.