Health Care Insurance

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The U.S. health insurance model frequently costs more and provides less care than systems in other Western nations. RAND's health insurance research began in 1971 with the 15-year Health Insurance Experiment, the only community-based experimental study of how cost-sharing arrangements affect people’s use of health services, their quality of care, and their health status. Subsequent research has continued to inform the U.S. policy debate.

  • doctor with senior patient

    Blog

    Survey Estimates Net Gain of 9.3 Million American Adults with Health Insurance

    Apr 8, 2014

    Early survey evidence indicates that the Affordable Care Act has already led to a substantial increase in insurance coverage. Consistent with the ACA's design, this gain in insurance has come not only from new enrollment in the marketplaces, but also from new enrollment in employer coverage and Medicaid.

Explore Health Insurance

  • A man looks over the ACA signup page on HealthCare.gov, October 2, 2013

    Blog

    Happy Birthday, Healthcare.Gov

    This month marks the one-year anniversary of the health insurance Marketplaces—the online exchanges for buying and selling insurance created by the Affordable Care Act. Last year, after a near-disastrous start that included massive website failures, the Marketplaces rebounded to a surprising success.

    Oct 16, 2014

  • Surgeon holding a scalpel

    Project

    California's Proposition 46 and What It May Mean for Patients

    What does RAND research reveal about the potential effects of Proposition 46, a California ballot initiative that will modify non-economic damage awards for medical malpractice cases and physician drug abuse and prescribing? RAND addresses common questions about its impact in California and elsewhere in the U.S.

    Oct 10, 2014

  • Hospital sign in front of hospital building

    Report

    Barriers to Enrollment in Health Coverage in Colorado

    Explores why eligible individuals are not enrolled in health insurance coverage in Colorado and makes recommendations on how Colorado can strengthen its future outreach and enrollment efforts.

    Oct 6, 2014

  • News Release

    Federal Drug Discount Program Faces Challenges as It Expands Under Health Reform

    A federal program that provides billions in drug discounts to safety net hospitals and other health care providers is expanding under health care reform, but divergent views on the purpose and future scope of the program create uncertainty for safety net providers and drug manufacturers.

    Aug 12, 2014

  • A pregnant woman in an exam room with a gynecologist and nurse

    Blog

    RAND Helps to Develop From Coverage to Care, a New CMS Initiative

    Health coverage is a means to an end: the aim is to help more Americans use their coverage to access routine primary care and preventive services. For many of the newly insured, however, the leap between obtaining insurance and establishing a regular source of care is substantial.

    Jul 29, 2014

  • Doctor talking to her male patient in her office

    Blog

    The ACA's Opportunity to Improve Care for Substance Use Disorders

    The Affordable Care Act (ACA) will significantly increase coverage for the publicly funded treatment of substance use disorders. But in order to maximize the benefit to patients, families, and society, it's critical to invest in the development, validation, and use of performance measures.

    Jul 28, 2014

  • A prescription bottle labeled Affordable Care Act and prescription pad

    Report

    Federal Drug Discount Program Faces Challenges as It Expands Under Health Reform

    A federal program that provides billions in drug discounts to safety net hospitals and other health care providers is expanding under health care reform, but divergent views on the purpose and future scope of the program create uncertainty for safety net providers and drug manufacturers.

    Jul 21, 2014

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    Research Brief

    Will Heath Care Reform Affect Disability Insurance Claiming?

    By enabling access to affordable private health insurance and expanding access to subsidized public health insurance, the Affordable Care Act alters the calculus of disability claiming decisions. Research offers empirical evidence that, on net, disability applications are likely to decrease.

    Jul 10, 2014

  • Healthy food on an office desk

    Tool

    Five Steps to a Successful Workplace Wellness Program

    Workplace wellness programs can reduce health risks, lower health care costs, and improve productivity — but all programs are not created equal. This toolkit presents a five-step guide for the planning, implementation, and evaluation of a successful workplace wellness program.

    Jun 24, 2014

  • Report

    A Bitter Pill: Soaring Health Care Spending and the American Family

    Health care costs nearly doubled between 1999 and 2009, which left the average 2009 family with only $95 more per month than in 1999. If costs had matched the consumer price index's rise, the average family would have an additional $450 per month.

    May 23, 2014

  • Research Brief

    Effects of Employer Health Insurance on Disability Insurance Claiming

    National health reform makes it easier for disabled workers to stop working and apply for disability insurance. This study finds that some disabled workers continue working to keep their health insurance but disability applications do not increase.

    May 22, 2014

  • Arkansas state quarter

    Report

    Infographic: How Arkansas May Fare Under the Affordable Care Act

    This infographic presents findings from a RAND analysis of the economic and other effects of the Affordable Care Act on the state of Arkansas.

    May 21, 2014

  • Journal Article

    Disability Insurance and Health Insurance Reform: Evidence from Massachusetts

    We study the 2006 Massachusetts health insurance reform to estimate the potential effects of the ACA on SSDI and SSI applications.

    May 1, 2014

  • measuring blood pressure

    Blog

    Tracking the ACA with the RAND Health Reform Opinion Study

    The HROS uses panel data to track changes in public opinion regarding the Affordable Care Act and insurance coverage. By surveying the same respondents each month, the HROS observes not only aggregate changes, but also individual changes in opinion or insurance coverage over time.

    Apr 22, 2014

  • a doctor discussing a patient's chart on a tablet

    Blog

    RAND Health Reform Opinion Study: Few Changes After Open Enrollment

    At the close of the ACA's open enrollment period, no significant changes in opinion were observed in the RAND Health Reform Opinion Study. This may be because open enrollment has no bearing on the health insurance of many people.

    Apr 16, 2014

  • Research Brief

    The Impact of the Affordable Care Act on Liability Insurance

    Summarizes a report that identifies potential mechanisms through which health care reform might affect claim costs for several major types of liability coverage, especially auto insurance, workers’ compensation coverage, and medical malpractice.

    Apr 9, 2014

  • emergency medical services at the scene of an auto accident

    Report

    ACA Could Change Costs of Auto, Malpractice, and Other Liability Insurance

    As more Americans become newly covered under the Affordable Care Act, the cost of providing automobile insurance, workers compensation, and homeowners insurance may decline. Meanwhile, an increase in the number of people using the health care system may trigger a corresponding increase in the number of medical malpractice claims.

    Apr 9, 2014

  • News Release

    Affordable Care Act Could Change Costs for Auto, Malpractice, Other Liability Insurance

    As more Americans become newly covered under the ACA, the cost of providing automobile insurance, workers compensation, and homeowners insurance may decline. But an increase in the number of people using the health care system may trigger an increase in the number of medical malpractice claims.

    Apr 9, 2014

  • doctor with senior patient

    Blog

    Survey Estimates Net Gain of 9.3 Million American Adults with Health Insurance

    Early survey evidence indicates that the Affordable Care Act has already led to a substantial increase in insurance coverage. Consistent with the ACA's design, this gain in insurance has come not only from new enrollment in the marketplaces, but also from new enrollment in employer coverage and Medicaid.

    Apr 8, 2014

  • close up of pill bottles

    Report

    Changes in Health Insurance Enrollment Since ACA Implementation

    Early evidence from a nationally representative survey suggests that the Affordable Care Act has led to a substantial increase in health coverage. Among the newly insured, most gained coverage through employer-sponsored insurance or Medicaid.

    Apr 8, 2014