Health Insurance Markets

  • Report

    Changes in Health Insurance Enrollment Since 2013: Evidence from the RAND Health Reform Opinion Study

    This paper examines changes in enrollment in health care coverage in the wake of the implementation of the Affordable Care Act using results from the RAND's Health Reform Opinion Study.

    Apr 8, 2014

  • Blog

    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

  • Blog

    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

  • Blog

    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

  • 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

  • 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

  • Blog

    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

  • Blog

    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

  • Blog

    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

  • 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

  • Blog

    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

  • 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

  • Blog

    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

  • Report

    Multistate Health Plans in the ACA's State Insurance Exchanges

    The ACA requires the government to work with insurance issuers to establish at least two multistate plans (MSPs) in each state's health insurance exchange. MSPs may be especially attractive to those interested in issuers that operate in multiple states, such as out-of-state students or temporary workers.

    Mar 20, 2013

  • Journal Article

    Modeling Employer Self-Insurance Decisions After the Affordable Care Act

    Self-insurance rates will increase among small firms only under the hypothetical situation that generous stop-loss policies are available to them after implementation of the ACA. Even if many small firms choose to self insure under this situation, it will not increase the premiums charged in the insurance exchanges by more than a few tenths of a percent.

    Jan 1, 2013

  • Blog

    Creating More Savvy Consumers Through Public Reporting

    Consumer Assessment of Healthcare Providers and Systems (CAHPS) surveys are designed to capture patients' experiences in a systematic way that facilitates reporting the results publicly to help other consumers make more savvy care decisions. Consumer choices may influence providers to improve the care they offer so that they can effectively compete in the market.

    Dec 27, 2012

  • Journal Article

    Do Health Plans Risk-Select? An Audit Study on Germany's Social Health Insurance

    This paper evaluates whether health plans in Germany's Social Health Insurance select on an easily observable predictor of risk: geography.

    Oct 1, 2012

  • Blog

    Would the Affordable Care Act Lead to Reductions in Employer-Sponsored Coverage?

    As the U.S. Supreme Court considers the constitutionality of the Affordable Care Act's (ACA) individual mandate, one of the questions being debated is what effect the mandate would have on employer-sponsored health insurance coverage. A factor to consider in this is the effect the ACA would have on small ...

    May 4, 2012