Impact on Health Insurers Macro Impacts on Health Insurance Industry in 2014 Regulatory approval of premium rate filings – federal and state Health insurers required to pay out 80 or 85% of premium dollars as claims New premium setting methods: increase premium rates for people under age 40 while lowering rates for people over age 40 Health reform restricts ability to underwrite  Guaranteed issue of policy to any insured  No pre-existing condition limitations at time of application Individual states must introduce a Health Insurance Exchange or be subject to Federal Insurance Exchange
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