Health Insurance Benefit Design

Research conducted by: RAND Health

All Items (45)

JOURNAL ARTICLE

Expanding Consumer-Directed Health Plans Could Help Cut Overall Health Care Spending — 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—about 4 percent of all health care spending among the nonelderly.

NEWS RELEASE

Expanding Consumer-Directed Health Plans Could Help Cut Overall Health Care Spending — 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—about 4 percent of all health care spending among the nonelderly.

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.

PROJECT

Can Employer Accommodation Reduce Disability-Related Retirement? — Mar 14, 2012

Employment trajectories following the onset of disability are poorly understood. Employer-focused policy interventions may reduce uptake in public disability insurance and disability-induced early retirement.

NEWS RELEASE

Consumers May Have More Control Over Health Care Costs Than Previously Thought — 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.

JOURNAL ARTICLE

Consumers May Have More Control Over Health Care Costs Than Previously Thought — 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.

NEWS RELEASE

High-Deductible Health Plans Pose No Special Risks to Medically Vulnerable Populations — 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.

JOURNAL ARTICLE

Largest Study of High-Deductible Health Plans Finds Substantial Cost Savings, but Less Preventive Care — Mar 25, 2011

The largest-ever assessment of high-deductible health plans finds that while such plans significantly cut health spending, they also prompt patients to cut back on preventive health care.

NEWS RELEASE

Largest Study of High-Deductible Health Plans Finds Substantial Cost Savings, but Less Preventive Care — Mar 24, 2011

The largest-ever assessment of high-deductible health plans finds that while such plans significantly cut health spending, they also prompt patients to cut back on preventive health care.

COMMENTARY

Health Care: Myths, Realities — Mar 23, 2010

To clear up some of the confusion about the newly approved health care legislation, Elizabeth McGlynn debunks some common misconceptions about the bill.

COMMENTARY

Obama's Health Plan: New Federal Role for Insurance Regulation — Feb 21, 2010

To provide a context for understanding health insurance premium price increases, this document identifies the factors that insurance companies consider when setting rates for the next year.

REPORT

Feasibility and Design Options for a Potential Entity to Research the Comparative Effectiveness of Medical Treatments — Jan 15, 2010

An exploration of the options available to Massachusetts as it considers establishing a comparative effectiveness center to guide health care purchasing decisions, as mandated by its legislature, reveals that all of the options are potentially feasible, but design decisions must consider the prioritization of comparative effectiveness research relative to other approaches to improving health care quality and reducing spending growth.

REPORT

Increase the Use of "Bundled" Payment Approaches — Jan 8, 2010

This document explores how increased use of bundled payment approaches would affect health system performance along nine dimensions.

REPORT

Require Employers to Offer Coverage — Jan 8, 2010

This document explores how requiring employers to offer health insurance (an employer mandate) would affect health system performance along nine dimensions.

REPORT

Require Individuals to Obtain Coverage — Jan 8, 2010

This document explores how requiring individuals to obtain health insurance (an individual mandate) would affect health system performance along nine dimensions.

REPORT

Ease Medicaid/SCHIP Eligibility Rules — Jan 8, 2010

This document explores how expanding Medicaid/SCHIP eligibility would affect health system performance along nine dimensions.

REPORT

Modify Federal Tax Code to Create Incentives for Individuals to Obtain Coverage — Jan 8, 2010

This document explores how a refundable tax credit to offset the cost of health insurance premiums would affect health system performance along nine dimensions.

REPORT

Increase Cost-Participation by Employees (e.g., Through High-Deductible Health Plans) — Oct 12, 2009

This document explores how increased cost participation by employees would affect health system performance along nine dimensions.

REPORT

Create or Expand Access to Purchasing Pools — Oct 12, 2009

This document explores how creating or expanding access to purchasing pools would affect health system performance along nine dimensions.

REPORT

Open Access to the Federal Employees Health Benefits Program (FEHBP) — Oct 12, 2009

This document explores how expanding access to the Federal Employees Health Benefits Program (FEHBP) would affect health system performance along nine performance dimensions.

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