Wakely was retained by America’s Health Insurance Plans (AHIP) to evaluate the potential reasons for reported changes in the percent of non-claimants in some individual health insurance markets over the reported period. This report explains what that statistic measures and how best to interpret it.
To gain additional understanding of potential drivers of the elevated non-claimant ratios in the individual market, Wakely reviewed its ACA database to highlight key dynamics contributing to the higher non-claimant ratios. The paper discusses the data used to measure non-claimant ratios and its limitations, changes in enrollment patterns in 2022 and 2023 in the individual market, as well as how changes in 2025 relative to 2024 may result in lower non-claimant ratios.
