Health Care Financing

Health care systems may be financed in various ways, including through government funding, taxation, out-of-pocket payments, private insurance, and donations or voluntary aid. RAND research explores the effects of corporate and government health care financing policies on such groups as patients, businesses, hospitals, and physician-providers.

Research conducted by: RAND Health

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The Public Option: Sorting Rhetoric from Reality

President Obama and several Congressional leaders have recently expressed support for the idea of allowing citizens to buy into a public insurance program as part of any health reform legislation. The intensity of the ensuing debate has been fascinating given the lack of specifics that have been offered by either side, writes Elizabeth A. McGlynn.

All Items (129)

Commentary

A Health Care Entitlement Worth Ending — Feb 27, 2013

The health care “entitlement” we need to reform is the notion that America's health care system is entitled to an ever-growing share of America's wealth, writes Arthur Kellermann.

Commentary

25 Small Ideas for Saving Big Health Care Dollars — Jan 30, 2013

Given the size of the annual “health care spend”—$2.7 trillion—summing up the savings associated with very minor cost-saving policy changes is likely to achieve significant aggregate savings, writes Jeffrey Wasserman.

Commentary

Health Care Cost Growth Is Hurting Middle-Class Families — Jan 3, 2013

Unfortunately, nearly every actor in our health care delivery system—hospitals, physicians, other health care providers, insurance companies and the manufacturers of drugs and devices—is currently focused on maximizing revenue growth, write Arthur Kellermann and David Auerbach.

Journal Article

U.S. Spending on Complementary and Alternative Medicine During 2002-08 Plateaued, Suggesting Role in Reformed Health System — Jan 1, 2013

Use of and spending on complementary and alternative medicine have flattened out. Including providers of these services in new delivery systems such as accountable care organizations could help slow growth in national health care spending.

Journal Article

What It Will Take to Achieve the As-Yet-Unfulfilled Promises of Health Information Technology — Jan 1, 2013

HIT's disappointing performance primarily stems from sluggish adoption of health IT systems, systems that are not interoperable or easy to use, and failure of providers and institutions to do their part by reengineering care processes.

Blog

ACOs: Making Organizations 'Accountable' for Care — Dec 19, 2012

The Affordable Care Act focuses primarily on extending coverage to uninsured Americans, but it is also intended to help curb cost growth. M. Susan Ridgely explains one of the key tools for doing that—the “accountable care organization,” an alternative delivery model intended to lower costs while also improving quality of care.

Journal Article

Price Elasticity of Expenditure Across Health Care Services — Dec 1, 2012

Policymakers in countries around the world are faced with rising health care costs and are debating ways to reform health care to reduce expenditures.

News Release

Changing Financial Incentives, Other Strategies Can Improve Impact of Comparative Effectiveness Studies on Patient Care — Oct 9, 2012

Comparative effectiveness research conducted over the past decade has had a limited impact on the way medical care is delivered, but many opportunities exist to help doctors and others in the medical system translate such research into better patient care.

Journal Article

Changing Financial Incentives Can Improve Impact of Comparative Effectiveness Studies on Patient Care — Oct 9, 2012

Comparative effectiveness research conducted over the past decade has had a limited impact on the way medical care is delivered, but many opportunities exist to help doctors and others in the medical system translate such research into better patient care.

Journal Article

Medicare Postacute Care Payment Reforms Have Potential To Improve Efficiency Of Care, But May Need Changes To Cut Costs — Sep 1, 2012

ACA-mandated payment reforms need to achieve more than a one-time cost saving.

Journal Article

Posing a Framework to Guide Government's Role in Payment and Delivery System Reform — Sep 1, 2012

Innovative payment reform initiatives occur in both the public and private sector, but the optimal role in such reforms of the public sector, specifically the Centers for Medicare and Medicaid Services, is up for debate

Blog

When Patients Don't Take Their Medicine: What Role Do Doctors Play in Promoting Prescription Adherence? — Aug 29, 2012

Medication non-adherence affects up to 40 percent of older adults, especially those with chronic conditions, and is associated with poor outcomes, more hospitalizations, and higher mortality. A new paradigm that clarifies joint provider–patient responsibility is needed.

Commentary

Will More Employers Drop Coverage Under the ACA? Don't Bet on It — Jul 27, 2012

A problem with using surveys to predict behavior is that they measure employer sentiment toward the ACA today, rather than the economic decisions employers typically make when the time comes, writes Art Kellermann.

Periodical

Eliminating Individual Mandate Would Decrease Coverage, Increase Spending — May 11, 2012

If the individual mandate requiring all Americans to have health insurance were eliminated, it would sharply reduce the number of people gaining coverage and slightly increase the cost for those who do buy policies through the new insurance exchanges.

Blog

Would the Affordable Care Act Lead to Reductions in Employer-Sponsored Coverage? — 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.

Journal Article

Growth of Consumer-Directed Health Plans to One-Half of All Employer-Sponsored Insurance Could Save $57 Billion Annually — May 1, 2012

Enrollment is increasing in consumer-directed health insurance plans, which feature high deductibles and a personal health care savings account.

Journal Article

Survey Results Show That Adults Are Willing to Pay Higher Insurance Premiums for Generous Coverage of Specialty Drugs — Apr 1, 2012

This study estimated how healthy people value insurance coverage of specialty drugs, defined as high-cost drugs that treat cancer and other serious health conditions like multiple sclerosis, by quantifying willingness to pay via a survey.

Journal Article

The Financial Burden from Prescription Drugs Has Declined Recently for the Nonelderly, Although It Is Still High for Many — Feb 1, 2012

The financial burden of prescription drugs has declined recently for the nonelderly. The decrease is probably due to increased use of generic drugs. The financial burden remains high among those with public insurance and those with low incomes.

Journal Article

Impacts of Rising Health Care Costs on Families with Employment-Based Private Insurance: A National Analysis with State Fixed Effects — 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.

Journal Article

Take-up of Public Insurance and Crowd-Out of Private Insurance Under Recent CHIP Expansions to Higher Income Children — Jan 1, 2012

The CHIP expansions to children in higher income families were associated with limited uptake of public coverage.

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