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1、PROJECTED IMPACT OF THE EXPIRATION OF THE ENHANCED PREMIUM TAX CREDITSIndividual ACA MarketRyan Schultz,FSA,MAAAPeter Kaczmarek,FSA,MAAAJohn Rienstra,FSA,MAAAJames Bao,FSA,MAAACONTENTSReport Qualifications,Acknowledgments and Limiting Conditions 3Executive Summary 4Introduction and Background 5Resul

2、ts 7Methodology and Data Sources 15Appendix A.Overview of Oliver Wymans Healthcare ReformMicrosimulation Model 17 Oliver Wyman3Projected Impact of the Expiration of the Enhanced Premium Tax CreditsReport Qualifications,Acknowledgments and Limiting ConditionsThis work was undertaken at the direction

3、of the Blue Cross Blue Shield Association.There are no third-party beneficiaries with respect to this report,and Oliver Wyman does not accept any liability to any third party.Information furnished by others,upon which all or portions of this report are based,is believed to be reliable but has not be

4、en independently verified,unless otherwise expressly indicated.Public information and industry and statistical data are from sources we deem to be reliable;however,we make no representation as to the accuracy or completeness of such information.The findings contained in this report may contain predi

5、ctions based on current data and historical trends.Any such predictions are subject to inherent risks and uncertainties.Oliver Wyman accepts no responsibility for actual results or future events.The opinions expressed in this report are valid only for the purpose stated herein and as of the date of

6、this report.No obligation is assumed to revise this report to reflect changes,events,or conditions,which occur subsequent to the date hereof.Any decisions made in connection with the information contained in this report are the sole responsibility of the reader.This report does not represent investm