Health Care Insurance


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.

  • Colorful pills on blue background, photo by Julia Sudnitskaya/Fotolia


    Policy Options for Covering High-Cost Cures

    May 3, 2016

    Strategic behavior by health insurers could unravel the market for cures for chronic diseases. The cost of these cures is front-loaded, but the benefits build up over time. Thus, insurers might try to delay treatment or avoid patients who need it, in the hope that they change insurers.

  • Pharmacist discussing prescription with customer, photo by SelectStock/Getty Images

    Journal Article

    Prescription Drug Use Rises, Out-of-Pocket Spending Drops Among Those Newly Insured Under the ACA

    Aug 17, 2016

    A study of nearly 7 million prescription drug users' experiences provides strong evidence that the Affordable Care Act has increased treatment rates while reducing out-of-pocket spending, particularly for those with certain chronic health conditions.

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