In the United States and other countries that do not have national health systems, employers often offer health insurance as a benefit to employees. RAND has examined how employer-sponsored health insurance impacts economic and social factors such as entrepreneurs and small businesses, national-level health care costs, industry economic performance, and labor market conditions.
JOURNAL ARTICLE
If consumer-directed health plans grow to account for half of all employer-sponsored insurance in the United States, health costs could drop by $57 billion annually—about 4 percent of all health care spending among the nonelderly.
BLOG
As the U.S. Supreme Court considers the constitutionality of the Affordable Care Act's (ACA) individual mandate, one of the questions being debated is what effect the mandate would have on employer-sponsored health insurance coverage. A factor to consider in this is the effect the ACA would have on small businesses, which employ the majority of America's private-sector workforce.
JOURNAL ARTICLE
State small-group health insurance reforms, implemented in the 1990s, aimed at controlling the variability of health insurance premiums and to improve access to health insurance. These reforms only affected firms within a specific size range, and as a result, they may have affected the size of small firms around the legislative threshold and may also have affected the propensity of small firms to offer health insurance.
JOURNAL ARTICLE
Rising health costs reduce employment-based private insurance availability and enrollment, and the financial protection provided by it, especially for middle-class families.
JOURNAL ARTICLE
Use of retail medical clinics located in pharmacies and other retail settings increased tenfold between 2007 and 2009. The determining factors in choosing one over a physician's office were found to be age, health status, income, and proximity to the clinic.
NEWS RELEASE
The historic RAND Health Insurance Experiment found that patients had little or no control over their health care spending once they began to receive a physician's care, but this has changed for those enrolled in consumer-directed health plans.
JOURNAL ARTICLE
The historic RAND Health Insurance Experiment found that patients had little or no control over their health care spending once they began to receive a physician's care, but this has changed for those enrolled in consumer-directed health plans.
NEWS RELEASE
Fast-rising health care costs have eaten nearly all the income gains made by a median-income American family of four over the past decade, leaving them with just $95 per month in extra income, after accounting for taxes and price increases.
RESEARCH BRIEF
Fast-rising health care costs have eaten nearly all the income gains made by a median-income American family of four over the past decade, leaving them with just $95 per month in extra income, after accounting for taxes and price increases.
PERIODICAL
The 10th anniversary of the 9/11 terrorist attacks warrants a thoughtful review of America's progress and future strategy. In this RAND Review cover story, RAND experts offer perspectives on Afghan-led solutions, ways to counter al Qaeda, air passenger security, and compensation for those affected by terrorism.
JOURNAL ARTICLE
This article translates aggregate numbers about health spending into concrete measures that consumers can relate to.
PERIODICAL
This RAND Review cover story describes RAND's research and analysis of sexual orientation and U.S. military personnel policy relating to the likely repeal of 'Don't Ask, Don't Tell.'
NEWS RELEASE
People who are medically vulnerable -- those with low incomes or chronic health problems -- who enroll in high-deductible health plans are at no more risk for cutting back on needed health care than other people who enroll in the plans.
RESEARCH BRIEF
Raises concerns that the bundling of health insurance and employment may discourage business creation.
NEWS RELEASE
A series of new reports by the RAND Corporation outlines the impact that national health care reform will have on individual states, estimating the increased costs and coverage that are expected in five diverse states once reform is fully implemented in 2016.
NEWS RELEASE
National health care reform will help 6 million California residents obtain health insurance and increase health care spending by state government by about 7 percent when it is fully implemented in 2016.
NEWS RELEASE
National health care reform will help 170,000 Connecticut residents obtain health insurance and decrease health care spending by state government by about 10 percent when it is fully implemented in 2016.
NEWS RELEASE
National health care reform will help 1.3 million Illinois residents obtain health insurance and increase health care spending by state government by about 10 percent when it is fully implemented in 2016.
NEWS RELEASE
National health care reform will help 125,000 Montana residents obtain health insurance and increase health care spending by state government by about 3 percent when it is fully implemented in 2016.
NEWS RELEASE
National health care reform will help 5 million Texas residents obtain health insurance and increase health care spending by state government by about 10 percent when it is fully implemented in 2016.
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