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  "documentTitle": "The individual health insurance market in 2023",
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      "text": "insurer participation: 4%",
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      "text": "With the goal of simplifying the shopping experience for consumers, CMS included regulations as part of the HHS Notice of Benefit and Payment Parameters for 2024 proposed rule.",
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      "text": "Consumer access to multiple insurer options has increased along with insurer participation over the past five years, with 87 percent of consumers having access to three or more insurers in 2023.",
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      "text": "Standardized plans have a standard actuarial value, maximum out-of-pocket cost, deductible, and cost sharing for a given metal level of coverage.",
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      "text": "Source: McKinsey Center for US Health System Reform analysis of federal and state individual marketplace data",
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