Insurance companies are offering lower premiums on some policies, but there are other reasons why some policies are more expensive than others.
A new study published Monday in the Journal of the American Medical Association (JAMA) finds that some companies are charging higher premiums on policies that are more costly than others, even though they have similar coverage.
The study, led by an economist at the University of Texas Health Science Center at Houston, found that companies that charge higher premiums for some policies with similar benefits are often charging a premium for the policy that is higher than what the company charges on similar policies with lower benefits.
The study examined data from the Health Insurance Marketplace, which provides insurance to more than 20 million people nationwide.
It found that some policies had a higher premium because they are less expensive to insure.
The authors did not investigate the cost of car insurance, but they said the analysis suggested that some insurers might be charging higher rates because they think that consumers will have more of an incentive to buy insurance if they have better coverage.
“This is an important finding, as it raises the possibility that insurance companies may be undercharging consumers based on the value of their coverage,” the authors wrote.
Insurance companies, however, deny the possibility of charging higher prices for lower benefits, pointing to their record of lower rates than competitors, according to a spokesperson.
Some insurers are not as aggressive about charging for lower premiums.
For example, the American Health Care Association, an organization representing major health insurers, said in a statement to ABC News that it is “not surprised” by the study.
“Premiums are based on a combination of a company’s ability to offer the highest quality policies and its ability to provide the lowest cost policies, and not just on a policy’s ability-to-pay ratio,” the group said.
This isn’t the first time that the study has found an insurer charging higher than other companies.
In the past, some insurers have charged more for a policy that offered lower benefits because it had higher premiums than other policies.
In a 2014 study, for example, a study by researchers at the Dartmouth Institute for Health Policy and Clinical Practice found that for the same-cost policy in the state of Georgia, the state’s insurance company charged a higher premiums, but the insurer’s average premium was lower than the state average.
In addition, insurance companies have been able to lower their premiums because they’ve been able use the cost-sharing subsidies to reduce deductibles and co-pays for some consumers, according the study, which also found that insurance policies in some states, including New York, Indiana and Pennsylvania, were cheaper than other states because of the subsidies.
A spokesperson for the Insurance Information Institute, which commissioned the study and is a nonprofit research organization, told ABC News the researchers didn’t use the state-by-state comparison, as other studies have.
While some insurance companies charge higher prices than others because they don’t offer good health care, that isn’t necessarily the case.
For instance, some health insurance plans, like Medicare, offer a wide range of benefits, including coverage for certain preventive care, preventive screenings and screenings for chronic conditions, according a spokesperson for a leading insurance company.
Even though many people are getting better coverage than they were before the ACA took effect, some people still pay too much for insurance, and that could affect their insurance premiums, according one study.
A 2016 study by the Commonwealth Fund found that people who earn less than $50,000 per year, which is the income range for most Americans, are paying more than $8,500 per year for insurance coverage in 2016, compared with $6,000 in 2017.
But many people will pay less than their federal poverty level, which in 2016 was $23,880 for a family of four.
The poverty level is the federal poverty line, which includes a family’s income, poverty level and housing costs.