Meet
Elizabeth Carpenter

Elizabeth Carpenter leads the Policy Practice at Avalere.

She specializes in the implementation of the Affordable Care Act (ACA), trends in commercial insurance, drug pricing policy, and the impact of politics on the policy landscape. She is regularly quoted in national and trade press and is a frequent presenter to audiences seeking to understand healthcare policy.

Prior to joining Avalere, Elizabeth was a senior advisor in the Health Policy practice at McKenna Long & Aldridge LLP, where she provided government affairs and public policy support to payers, providers, private exchanges, and states on a wide-range of health policy and political issues. Previously, she served as the associate policy director for the Health Policy Program at the New America Foundation where she led Congressional and media relations during the debate over the ACA and provided educational and technical support to stakeholders, members of Congress, and the media. Elizabeth started her career on Capitol Hill for the legislative and campaign staffs of Senator Lincoln Chafee (RI) and served as the office’s parliamentarian.

Elizabeth has a BA in political science from Brown University.

Authored Content


New analysis from Avalere finds that over 95% of counties with exchanges operated by HealthCare.gov have free plan options for low-income consumers.

Narrow network plans comprise nearly three-quarters of the exchange market.

Register now to join Avalere experts on January 10, 2019 from 1 – 2 PM EDT as they examine the top healthcare priorities to watch.

Tune in to the last episode of our mid-term elections series to hear Avalere experts Chris Sloan and Elizabeth Carpenter discuss potential implications on health policy.

On October 25, Avalere experts came together to discuss the latest policy developments related to drugs.

New analysis from Avalere finds that 2.7 million individuals from states that have not expanded Medicaid could gain Medicaid coverage should their newly elected governors decide to expand the program or states pass expansion referenda on their ballots.

Avalere experts examine the current drug pricing policy landscape and what potential changes stakeholders should prepare for.

With the 2018 mid-term elections weeks away, polls show healthcare is a top issue on the minds of voters.

Average premiums projected to grow 3.1% heading into next year.

The Department of Health and Human Services is seeking public input on a variety of proposals related to drug costs, providing stakeholders with an unprecedented opportunity to shape the administration's drug pricing policies.

Avalere examines the effect of foundation-sponsored financial assistance on out-of-pocket costs and federal spending.

Coordinated information sharing can facilitate the delivery of integrated care to patients using both physical and behavioral health services.

Increasingly, states are taking steps to control prescription drug spending and prices.

On January 4, the Department of Labor (DOL) issued a proposed rule to allow certain self-employed individuals, small businesses, and large businesses, including as part of a professional/trade organization or chamber of commerce, to band together to provide health insurance for their employees and their dependents.

Avalere experts expand on significant priorities for 2018.

At 100% of the OEP, we are at 96% of total Healthcare.gov enrollment compared to 2017 (8.8M n 2018 compared to 9.2M in 2017).

New analysis by Avalere examines the impact of two market stabilization proposals-funding the cost-sharing reductions (CSRs) and implementing a federal reinsurance program-on individual market premiums and enrollment.

Deductibles remain high, nearing $4,000 on average for silver plans.

If federal government permits states to expand Medicaid to only 100% of poverty, nearly 4M people could shift from Medicaid to exchanges, and 7M could be newly eligible for coverage.

New analysis from Avalere finds that nearly 98% of counties with exchanges operated by HealthCare.gov will have free bronze plan options for low-income consumers aged 50 earning 150% of poverty or less ($18,090 for an individual or $36,900 for a family of four).

This past Friday, the Centers for Medicare & Medicaid Services released the proposed Notice of Benefit and Payment Parameters (NBPP) for the 2019 plan year.

Avalere experts preview the 2018 ACA open enrollment season

New analysis from Avalere finds that the 2018 exchange market will see silver premiums rise by an average of 34%. According to Avalere's analysis of filings from Healthcare.gov states, exchange premiums for the most popular type of exchange plan (silver) will be 34% higher, on average, compared to last year.

New analysis from Avalere finds that the administration's decision last week to end federal funding for the cost-sharing reduction (CSR) payments could lead to substantial losses for health plans-ranging from -$1.2M in North Dakota to -$200M in Florida through the end of 2017 (Figure 1).

New analysis from Avalere finds that the Graham-Cassidy-Heller-Johnson (GCHJ) bill to repeal and replace the Affordable Care Act (ACA) would lead to a reduction in federal funding to states by $215B through 2026 and more than $4T over a 20-year period (Table 1).

Market stabilization efforts could also lead to higher enrollment in exchanges.

Benefit designs do not vary widely based on insurer competition, except for deductibles that are lower in areas with three or more insurers.

Affordable Care Act-compliant plan market would see 39% higher premiums, while non–ACA-compliant plans would have much lower premiums

As the Senate prepares to begin debate on a revised version of the Better Care Reconciliation Act (BCRA) next week, Avalere offers the following observations on select components of the legislation:

Elizabeth Carpenter, Senior Vice President, will present on July 15 at the National Governors Association Summer Meeting in Providence, RI, in a governors-only session entitled “The Future of Health Care.”

Today, the Medicare Trustees delivered to Congress their annual report on the financial operations and status of the program.

The Better Care Reconciliation Act (BCRA) would cap Medicaid funding to states. In this analysis, Avalere worked with The SCAN Foundation to examine how BCRA Medicaid changes would impact dual-eligible beneficiaries. We compare these outcomes to the impact of the House-approved American Health Care Act.

New analysis from Avalere finds that states could see federal funding for their Medicaid programs decline by between 6% and 26% under the Better Care Reconciliation Act (BCRA) by 2026.

More than 40% of counties could see only one exchange plan in 2018, with risk that some counties may have no commercial options.

Today, the Trump Administration released its budget for fiscal year 2018 (FY 2018). The budget provides the President's recommendations for how the Congress should fund the government and marks the beginning of the FY 2018 budget season.

All 50 states and DC would receive fewer Medicaid dollars for non-disabled children.

The elimination of cost-sharing reductions could lead to low-income individuals facing higher deductibles and maximum out-of-pockets.

Funding earmarked for high risk pools in the American Health Care Act will cover five percent of the total number of enrollees with pre-existing chronic conditions in the individual market today.

Avalere experts review proposed drug pricing policies from each stakeholder's perspective across the industry and the implications each might carry.

Today, the Centers for Medicare & Medicaid Services (CMS) released its final rule for market stabilization of the health insurance exchanges, following the departure of some health plans from the marketplace for the upcoming plan year.

Avalere experts examine proposed key reforms to the ACA and its potential impacts.

Low-income and older individuals would incur higher penalties for failing to purchase health insurance, compared to current individual mandate.

Avalere analyzed data from eight Medicare Advantage Organizations (MAOs) representing 1.1 million beneficiaries in more than 30 unique plans operating across the country to understand the impact of shifting the determination of plan risk scores from the traditional Risk Adjustment Processing System (RAPS) to the new Encounter Data System (EDS).

Today, the Trump administration released a proposed rule for market stabilization of the Affordable Care Act (ACA).

Analysis shows Medicaid block grants and per capita caps could result in state budget gaps.

Avalere analyzed data from eight Medicare Advantage Organizations (MAOs) representing 1.1 million beneficiaries in more than 30 unique plans operating across the country to understand the impact of shifting the determination of plan risk scores from the Risk Adjustment Processing System (RAPS) to the new Encounter Data System (EDS).

Plans sold in exchange markets in 2017 feature higher premiums, growing consumer out-of-pocket costs, and more restricted access to providers and hospitals than in previous years, according to a new analysis from Avalere.

Avalere experts discuss the top priorities to focus on as you navigate the new landscape.

In addition to Donald Trump's presidential win earlier this week, Republicans also won big in the House and Senate.

As 2017 exchange open enrollment begins, Avalere examined marketplace changes in plan choice and premiums at the county level.

With expanded administrative authority and flexibility to advance policy priorities through entities such as CMMI and IPAB, the new administration will shape the future of the Affordable Care Act, potential drug pricing reforms, and potential action on tax and/or entitlements.

2017 exchanges struggle to address challenges with enrollment, risk management, and consumer choice.

A new analysis from Avalere finds that consumers with a range of common health conditions could reduce their spending between $8,800 and $90,020 by purchasing insurance through the Affordable Care Act (ACA).

While we can't make any promises as to whether or not Clinton or Trump will bring up healthcare in Sunday's town hall, the odds of it happening are looking better.

A new Avalere analysis finds that approximately 8 million Americans age 55 or over who are currently uninsured or have individual coverage purchased through the private market-inside and outside the exchange- could be eligible to buy-in to the Medicare program under a plan proposed by Democratic presidential candidate Hillary Clinton.

A new analysis from Avalere finds that individuals who enroll in exchange coverage during special enrollment periods (SEP) have higher costs and lower risk scores than open enrollment period (OEP) consumers.

In preparation for tonight's vice presidential debates, we thought that we'd take a look at both candidates' health policy positions in addition to Exchange and Part D data for Virginia and Indiana.

Earler this month, the Obama Administration released the proposed Notice of Benefit and Payment Parameters (NBPP) for the 2018 plan year. Meanwhile, the exchange market faces instability. Recent Avalere analysis finds that more than one-third of rating regions may have only one insurance carrier participating on the exchange in 2017.

While we technically have a few weeks of summer left, we decided to take a look back at the stories that were catching people's attention based on our website hits.

Recently, Avalere worked with the Council for Affordable Health Coverage to examine enrollment trends for the Affordable Care Act (ACA).

Avalere experts predict that one-third of the country will have no exchange plan competition in 2017, leaving consumers with few options for coverage.

Prescription drugs are not outsized contributors to rate increases.

Between now and November, Avalere will to bring election content, including podcasts to the public dialogue. Our experts provide a quick glimpse into the role healthcare will play in the 2016 elections and hot topics you can expect to hear about on the campaign trail


Recently, Avalere took a look at the gubernatorial elections happening this year, their outlooks, and where they stand on the Exchanges and the Medicaid expansion.

Between now and November, Avalere will to bring election content—including podcasts—to the public dialogue. Our experts provide a glimpse into the role healthcare will play in the 2016 elections and hot topics you can expect to hear about on the campaign trail.


As we near the July conventions and the November election, the dialogue continues to ramp up on the latest policy proposals from the presumptive presidential nominees - Hillary Clinton and Donald Trump.

In 2016, more than 18 of 56 million Medicare beneficiaries receive their benefits from Medicare Advantage (MA) plans. MA plans are private managed care organizations that contract with the federal government to coordinate care for Medicare beneficiaries.

A new Avalere analysis finds that nearly 13 million Americans age 50 or over who are currently uninsured or have individual coverage purchased through the private market-inside and outside the exchange- could be eligible to buy-in to the Medicare program under a plan proposed by Democratic presidential candidate Hillary Clinton.

An analysis from Avalere shows that more health insurance plans offered through the Affordable Care Act exchanges are making some drugs used to treat complex diseases—such as HIV, cancer, and MS—more accessible to patients in 2016 than in the previous years. Specifically, plans were less likely to place all drugs in a class on the highest cost-sharing tier.

One third of those who enrolled in a health insurance plan on Healthcare.gov this year picked the same plan as last year, according to a new analysis from Avalere. In total, 3.2 million of the 9.6 million exchange shoppers in 2016 kept their previous plan.

Avalere Experts Estimate MedPAC Proposal to Change Calculation of Part D Enrollees' True Out-of-Pocket Spending Would Increase Beneficiary Costs by $4.1 Billion Between 2017-2020

Percentage of Medicare Advantage enrollees in plans with at least four stars continues to grow.

The Centers for Medicare & Medicaid Services (CMS) will release the Advance Notice and Call Letter describing CMS' proposed 2017 payment policies for Medicare Advantage (MA) plan sponsors on February 19. Based on previously released information in the fall of 2015, CMS is likely to propose modifications to the risk adjustment model and the current MA Star Ratings methodology.

President Obama released his budget for the 2017 fiscal year today. Avalere offers the following observations on the healthcare proposals:

Today, the Department of Health and Human Services (HHS) announced that 9.6 million individuals selected a health insurance plan on HealthCare.gov during the recent open enrollment season. Avalere estimates that 2016 year-end enrollment will slightly exceed the Obama administration's goal of enrolling 10 million people.

In an article published in The American Journal of Managed Care, Avalere's Caroline Pearson and Deirdre Parsons examine provider networks and benefit design for oncology care in health insurance exchanges.

A new analysis from Avalere Health finds that hospitals and health systems are increasingly taking risk for the cost of Medicare patients and the quality of the care they receive.

In 2016, two key themes underlie much of the shift in the healthcare landscape: cost and value. Each of these elements is critical to all sectors of the healthcare system as we attempt to reduce costs and deliver value.

As the government considers rules for 2017 insurance plans offered through exchanges, a new analysis by Avalere finds that proposed 2017 benefit designs could increase coverage of certain services and drugs, while lowering out-of-pocket costs for many consumers.

In a 5-4 ruling on June 30, the U.S. Supreme Court issued a majority opinion on Burwell v. Hobby Lobby Stores, Inc., holding that the contraceptive mandate violates the Religious Freedom Restoration Act (RFRA) as applied to closely held, for-profit corporations.

On April 7, CMS finalized their Calendar Year (CY) 2015 capitation rates, methodological changes to rates and risk models, and other payment and program policies for Medicare Advantage (MA) and Part D plans.