RAND Research Topic: Employer Sponsored Health Insurance 2012-05-24T14:56:33Z Copyright (c) 2012, The RAND Corporation RAND Corporation http://www.rand.org/topics/employer-sponsored-health-insurance.html Expanding Consumer-Directed Health Plans Could Help Cut Overall Health Care Spending http://www.rand.org/pubs/external_publications/EP201200104.html May 7, 2012 May 7, 2012 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&mdash;about 4 percent of all health care spending among the nonelderly. Would the Affordable Care Act Lead to Reductions in Employer-Sponsored Coverage? http://www.rand.org/blog/2012/05/would-the-affordable-care-act-lead-to-reductions-in.html May 4, 2012 May 4, 2012 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. Do Small-Group Health Insurance Regulations Influence Small Business Size? http://www.rand.org/pubs/external_publications/EP20120043.html Mar 1, 2012 Mar 1, 2012 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. Impacts of Rising Health Care Costs on Families with Employment-Based Private Insurance: A National Analysis with State Fixed Effects http://www.rand.org/pubs/external_publications/EP20120063.html Jan 1, 2012 Jan 1, 2012 Rising health costs reduce employment-based private insurance availability and enrollment, and the financial protection provided by it, especially for middle-class families. Use of Retail Medical Clinics Rises Tenfold Over Two-Year Period http://www.rand.org/pubs/external_publications/EP201100245.html Nov 22, 2011 Nov 22, 2011 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. Consumers May Have More Control Over Health Care Costs Than Previously Thought http://www.rand.org/news/press/2011/09/29.html Sep 29, 2011 Sep 29, 2011 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. Consumers May Have More Control Over Health Care Costs Than Previously Thought http://www.rand.org/pubs/external_publications/EP201100208.html Sep 29, 2011 Sep 29, 2011 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. Accelerating Health Care Costs Wiping Out Much of Americans' Income Gains http://www.rand.org/news/press/2011/09/08.html Sep 7, 2011 Sep 7, 2011 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. Accelerating Health Care Costs Wiping Out Much of Americans' Income Gains http://www.rand.org/pubs/research_briefs/RB9605.html Sep 7, 2011 Sep 7, 2011 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. Beyond the Shadow of 9/11 http://www.rand.org/pubs/corporate_pubs/CP22-2011-09.html Sep 1, 2011 Sep 1, 2011 The 10th anniversary of the 9/11 terrorist attacks warrants a thoughtful review of America's progress and future strategy. In this <em>RAND Review</em> 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. A Decade of Health Care Cost Growth Has Wiped Out Real Income Gains for an Average US Family http://www.rand.org/pubs/external_publications/EP201100172.html Aug 31, 2011 Aug 31, 2011 This article translates aggregate numbers about health spending into concrete measures that consumers can relate to. Gays in the Military: Eventually, New Facts Conquer Old Taboos http://www.rand.org/pubs/corporate_pubs/CP22-2011-04.html Apr 29, 2011 Apr 29, 2011 This <em>RAND Review</em> 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.' High-Deductible Health Plans Pose No Special Risks to Medically Vulnerable Populations http://www.rand.org/news/press/2011/04/18.html Apr 18, 2011 Apr 18, 2011 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. Does Employer-Based Health Insurance Discourage Entrepreneurship and New Business Creation? http://www.rand.org/pubs/research_briefs/RB9579.html Apr 7, 2011 Apr 7, 2011 Raises concerns that the bundling of health insurance and employment may discourage business creation. How National Health Reform Will Affect a Variety of States http://www.rand.org/news/press/2011/04/05.html Apr 5, 2011 Apr 5, 2011 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. Health Reform Will Add Coverage for 6 Million Californians; State Health Spending to Grow by 7 Percent http://www.rand.org/news/press/2011/04/05/index1.html Apr 5, 2011 Apr 5, 2011 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. Health Reform Will Add Coverage for 170,000 in Connecticut; State Health Spending to Drop by 10 Percent http://www.rand.org/news/press/2011/04/05/index2.html Apr 5, 2011 Apr 5, 2011 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. Health Reform Will Add Coverage for 1.3 Million in Illinois; State Health Spending to Grow by 10 Percent http://www.rand.org/news/press/2011/04/05/index3.html Apr 5, 2011 Apr 5, 2011 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. Health Reform Will Add Coverage for 125,000 in Montana; State Health Spending to Grow by 3 Percent http://www.rand.org/news/press/2011/04/05/index4.html Apr 5, 2011 Apr 5, 2011 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. Health Reform Will Add Coverage for 5 Million in Texas; State Health Spending to Grow by 10 Percent http://www.rand.org/news/press/2011/04/05/index5.html Apr 5, 2011 Apr 5, 2011 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.