Measuring Choice and Competition in the Exchanges: Still Worse than Before the ACA

By the standards of the President’s own “guiding principle,” his law largely fails. Although insurer participation in the exchanges has increased for 2015 compared with the previous year, it is still well below the level in the individual market prior to the law’s implementation. The flawed policies in the ACA neither foster competition nor increase consumer choice, and they will continue to harm American consumers and increase costs. Congress should instead base reforms on increasing insurer competition and expanding coverage options for consumers. A truly competitive marketplace would not be restrained by federal dictates and would have the flexibility to respond to consumer demands, resulting in lower health insurance costs and higher quality.

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