Health Insurance Markets

  • News Release

    Eliminating Subsidies for People to Buy Health Coverage Would Increase Premiums and Number of Uninsured

    Eliminating subsidies that help low- and moderate-income people purchase coverage through government-run health insurance marketplaces would sharply boost costs for consumers as much as 43 percent and cause more than 11 million Americans to lose their health insurance.

    Oct 21, 2014

  • Mother and son at a medical reception desk

    Report

    Eliminating Subsidies for People to Buy Health Coverage Would Increase Premiums and Number of Uninsured

    Eliminating subsidies that help low- and moderate-income people purchase coverage through government-run health insurance marketplaces would boost costs for consumers as much as 43 percent and cause more than 11 million Americans to lose their health insurance.

    Oct 21, 2014

  • Close up of young woman using laptop

    Research Brief

    Premiums and Stability in the Individual Health Insurance Market: The Effects of Young Adult Enrollment and Subsidies

    Reduced young-adult enrollment in the individual health insurance market created under the Affordable Care Act would lead to modest premium increases; however, eliminating tax credits would substantially increase premiums and reduce enrollment.

    Oct 21, 2014

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

    Commentary

    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

  • 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

  • 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

  • A pulse oximeter used to measure pulse rate and oxygen levels with Sphygmomanometer and medical stethoscope and ECG background

    Commentary

    Checking the ACA's Vital Signs

    Despite pervasive challenges associated with the rollout of the Affordable Care Act (ACA), the administration remains optimistic about its fate. Critics, however, have seized upon the recent mishaps as evidence of the ACA's inevitable demise.

    Mar 17, 2014

  • people standing in line

    Commentary

    Who Does the Affordable Care Act Leave Behind?

    Although one of the primary objectives of the ACA is to achieve near-universal health insurance coverage, the Congressional Budget Office projects that 30 million residents, more than 10 percent of the nonelderly population, will remain uninsured after the major provisions of the ACA take full effect.

    Mar 7, 2014

  • patients waiting to see a doctor

    Commentary

    First Steps on a Long Road: Three Key Findings from ACA's Early Enrollment Numbers

    The vision of the ACA was “no wrong door” and an affordable option for everyone, but it appears based on the data available so far that, in the non-Medicaid expansion states, there is a closed door.

    Feb 10, 2014

  • News Release

    Plans Allowing People to Keep Health Insurance Will Not Threaten New Insurance Marketplaces

    Although three options put forward to help people keep their old health insurance plans all would cause some disruption of the risk pools that are important to the insurance exchanges, none of the changes would be severe enough to threaten their viability.

    Jan 21, 2014

  • A nurse and patient conversing at reception, nurse, reception, hospital, receptionist, people, occupation, desk, scrubs, computer, station, work, staff, medical, care, clinic, professional, office, secretary, health, area, phone, asian, cancer, casual, caucasian, chair, communication, connection, copyspace, female, girl, healthcare, indoor, keyboard, lobby, male, man, mature, men, multiethnic, patient, person, technology, telephone, typing, waiting, woman, women, working, zzzamiaabbdcdadbddcndadicndcdccndbdgdfdedada

    Report

    Plans Allowing People to Keep Health Insurance Will Not Threaten New Insurance Marketplaces

    Although three options put forward to help people keep their old health insurance plans all would cause some disruption of the risk pools that are important to the insurance exchanges, none of the changes would be severe enough to threaten their viability.

    Jan 21, 2014

  • doctor listens to a heartbeat of a 5-year-old patient

    Periodical

    Ramifications of Health Reform

    2014 will be an important year for the Patient Protection and Affordable Care Act. Health insurance exchanges will offer people new ways to buy insurance. Medicaid will expand in many states. And people without “minimum essential coverage” may have to pay a fee.

    Nov 26, 2013

  • U.S. President Barack Obama talks about the Affordable Care Act in the Brady Press Briefing Room at the White House in Washington, November 14, 2013

    Commentary

    Four Questions on Canceled Insurance Policy Fix

    David Mastio, Forum editor at USA TODAY, asked RAND's Christine Eibner four questions about President Obama's plan to fix the problem with people getting their insurance canceled.

    Nov 15, 2013

  • young couple looking at their finances on a laptop on a couch

    Commentary

    Understanding the Affordable Care Act

    One of the chief aims of the Affordable Care Act (ACA) is the expansion of insurance coverage to individuals who at present either cannot afford it or choose not to purchase it. Unfortunately, many Americans lack the financial literacy needed to navigate the numerous and complex options thrust upon them by the ACA.

    Oct 2, 2013

  • doctor examining newborn baby

    Commentary

    Will the Affordable Care Act Make Health Care More Affordable?

    Out-of-pocket spending on health care will decrease for both the newly insured as well as for those changing their source of insurance. These decreases will be largest for those who would otherwise be uninsured.

    Oct 1, 2013

  • doctor and question mark blue background

    Blog

    Ask Me Anything: Carter Price on the Affordable Care Act

    As of October 1, many Americans can now shop for health insurance through state exchanges created as part of the Affordable Care Act (ACA)—the sweeping health care reform often referred to as “Obamacare.” To provide some insight into the ACA, RAND's Carter Price hosted an “Ask Me Anything” session on Reddit today.

    Oct 1, 2013

  • Doctors reviewing an x-ray in reception area

    Commentary

    Will ACA Implementation Lead to a Spike in Demand for Care?

    The growing number of Americans newly-insured under the ACA will undoubtedly lead to a surge in demand for care, whether through Medicaid or insurance exchanges. But, if predictions hold, the increase won't be as dramatic as some may fear, writes David I. Auerbach.

    Sep 27, 2013

  • News Release

    No Widespread Increase in Cost of Individual Health Insurance Policies Under Affordable Care Act

    An analysis of 10 states and the United States overall predicts that there will be no widespread premium increase in the individual health insurance market under the ACA. However, the cost of policies will vary among states and will be influenced by individual factors such as a person's age and whether they smoke.

    Aug 29, 2013

  • calculator, pills, and stethoscope

    Report

    No Widespread Increase in Cost of Individual Health Insurance Policies Under Affordable Care Act

    An analysis of 10 states and the United States overall predicts that there will be no widespread premium increase in the individual health insurance market under the ACA. However, the cost of policies will vary among states and will be influenced by individual factors such as a person's age and whether they smoke.

    Aug 29, 2013

  • a health insurance claim form and a silver pen

    Commentary

    Helping Obama—and Other Americans—Weigh Which Health Insurance Exchange to Pick

    Multistate plans are most likely to appeal to out-of-state students, interstate migrants, out-of-state workers, seasonal movers (e.g., “snowbirds”), and similar groups that require improved access to health care across state lines.

    Apr 1, 2013