Assessing the impact of states' authority to review health insurance rates on the cost of premiums

The Foundation's Changes in Health Care Financing and Organization program was designed to support research, demonstration, and evaluation projects examining major changes in health care financing.The goal of this project is to inform state and federal policymakers on whether rate review regulation moderates health insurance premium increases, making insurance more affordable for families and small employers. Focusing on the individual and small group markets during the period 2001-2010, the researchers will examine the impact of two forms of regulation: "file and use authority," under which insurers can apply a rate increase without state approval and "prior-approval authority," which requires insurers to get approval by the state or wait until a deeming period has passed before applying a premium increase. Deliverables will include a project work plan, annual financial and narrative reports, final narrative and financial reports, and a final policy summary. The grantee will also produce paper(s) suitable for publication as part of the deliverables for this grant.

Grant Details

Amount Awarded $253,124.00

Awarded on: 3/8/2012

Time frame: 4/1/2012 - 9/30/2014

Grant Number: 69906


University of California, Berkeley, School of Public Health

50 University Hall, Suite 7360
Berkeley, 94720-7360


Brent D. Fulton
Project Director


Richard M. Scheffler
Project Director