The authors’ findings help explain why a Medicaid insurer may not want to sell plans in the ACA marketplaces yet may favor the idea of a Medicaid buy-in program (one that allows residents to pay premiums to “buy in” to Medicaid). Although the consumers who end up enrolled in Medicaid buy-in coverage might be the same as someone who would otherwise sign up for marketplace coverage, the organizational requirements that would apply to offerors of these two types of plans could end up being very different. If a Medicaid buy-in program used Medicaid’s less stringent requirements, it could prompt organizations not currently offering marketplace plans to offer new coverage options to consumers.
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The nonprofit Urban Institute is dedicated to elevating the debate on social and economic policy. For nearly five decades, Urban scholars have conducted research and offered evidence-based solutions that improve lives and strengthen communities across a rapidly urbanizing world. Their objective research helps expand opportunities for all, reduce hardship among the most vulnerable, and strengthen the effectiveness of the public sector. Visit the Urban Institute’s Health Policy Center for more information specific to its staff and its recent research.