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Reinsurance and State Health Reform: The Role of Reinsurance as a Public Policy Tool in Kansas

By Robert F. St. Peter, M.D., Ron Liebman, Gina C. Maree, M.S.W., LSCSW | February 14, 2008

Several states are using reinsurance programs to stabilize small group markets and expand access to health insurance coverage. KHI explains reinsurance and discusses how it might be used as part of a broader set of health reforms in Kansas.

Listed below are several resources on the topic, including:

• Testimony from a Feb. 18, 2008 Joint Session of the House Insurance and Financial Institutions and Senate Financial Institutions and Insurance committees by Dr. Robert St. Peter, CEO of the Kansas Health Institute. Dr. St. Peter presented the basics of reinsurance, potential uses for reinsurance in Kansas and how other states have utilized reinsurance in their small group markets.

• A summary of a report authored by Pool Administrators, Inc. that models and analyzes several scenarios in which reinsurance could be utilized in Kansas to stabilize the small group insurance market.

• The full report written by Pool Administrators, Inc., on behalf of the Kansas Insurance Department as part of their charge to investigate possible scenarios in which reinsurance could be used in Kansas. The report models four scenarios of reinsurance use based on Kansas-specific claims data. The report was funded by a State Planning Grant awarded to the Kansas Insurance Department by the U.S. Health Resources and Services Administration.

• A KHI Issue Brief that explains reinsurance and its role in health reform.

Click the following links to download each PDF file:

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Testimony Provided to a Joint Session of the House Insurance and Financial Institutions and Senate Financial Institutions and Insurance Committees on Feb. 14, 2008

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Lessons from the Kansas Reinsurance Modeling Project

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Modeling of Prospective and Retrospective Reinsurance

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Issue Brief: Reinsurance and State Health Reform

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