Variables make determining cause of premium increases difficult.

PositionBrief article

Determining how much of the increase in health-care premiums can be attributed to the Patient Protection and Affordable Care Act is tricky, the Institute for Policy Innovation reports. Increases are based on actuarial estimates which are educated guesses about factors including the estimated ratio of sick and healthy people in a particular insurance pool, the normal growth in health-care costs, and government regulations. New premiums can also be an attempt to correct for pricing errors the year before. Insurers also have an incentive to raise premiums by smaller amounts from...

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