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Health Insurance Benefit Design

Research conducted by: RAND Health

Research Briefs (4)

Flattening the Trajectory of Health Care Spending: Engage and Empower Consumers — Nov 15, 2012

Cost-sharing leads consumers to reduce both highly beneficial and less beneficial care, so they must be empowered with useful information to make informed decisions. Public cost and quality reports must be accurate, accessible, and understandable.

Skin in the Game: How Consumer-Directed Plans Affect the Cost and Use of Health Care — Jun 28, 2012

If half of Americans with employer-sponsored insurance switched from a traditional health plan to a consumer-directed health plan, annual health care costs would fall by an estimated $57 billion.

Behavioral Health Parity: Consequences for Federal Employee Health Plans — Apr 17, 2007

This research brief assesses the effects of the government-required Federal Employees Health Benefits Program's provision of behavioral health benefits equal to its general health benefits on insurers and consumers' use of services and spending.

Research Brief

How Cost Sharing Affects Use of Drugs by the Chronically Ill — Nov 25, 2005

How does cost sharing affect drug use? A RAND Corporation team linked pharmacy claims data with health plan benefit designs from 30 employers and 52 health plans.