in fact, oliver wyman suggests in its estimate that the $5 billion in funding would be sufficient to allow states to leverage more than $15 billion in reinsurance coverage, and that it would result in premiums that were more than 20% lower than if the individual mandate were repealed and a package of provisions were not implemented. furthermore, analysis by experts at adelaide or project that, coal, in combination, csr funding.r and $5 billion in annl reinsurance could lower 2019 premiums by 18%, and increased enrollment by 1.3 million people. the national association of insurance commissioners wrote that these two bills would significantly reduce health insurance premiums and help promote more stability in insurance markets. the naic said the following, providing reliable federal funding to reimburse health insurance carriers for the cost-sharing reduction program assistance that they give low income consumers and grants for states to establish invisible high risk pools or reinsurance would reduce premiums increases as much as 20%, and could encourage some carriers to stay in the ma