Health 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.

Research conducted by: RAND Health; RAND Institute for Civil Justice

Featured at RAND

Cost and Coverage Implications of the Affordable Care Act

scalpel cutting dollar

The ACA's goal of expanding access to health coverage has implications for health care costs at many levels: how it will affect individual decisions to obtain insurance, employer decisions about offering coverage, and government spending.

All Items (466)

Report

Questionable Estimates of Eligibility for Low-Income Subsidies Under Medicare Part D — Jul 23, 2009

In 2003, Congress added a prescription drug benefit to the Medicare program known as Part D and a Low-Income Subsidy (LIS) for some Part D beneficiaries. About 29 percent were eligible for the LIS in 2006 but there is considerable uncertainty around this estimate.

Research Brief

When Drug Cost-Sharing Increases, Patients Newly Diagnosed with a Chronic Illness Delay Starting Medication — Jun 29, 2009

Describes a study showing that increasing copayments for prescription drugs causes patients newly diagnosed with hypertension, high cholesterol, and diabetes to delay starting treatment, which in turn increases their risk for heart attack and stroke.

Commentary

The Public Option: Sorting Rhetoric from Reality — Jun 24, 2009

President Obama and several Congressional leaders have recently expressed support for the idea of allowing citizens to buy into a public insurance program as part of any health reform legislation. The intensity of the ensuing debate has been fascinating given the lack of specifics that have been offered by either side, writes Elizabeth A. McGlynn.

Report

Preserving Health among Vulnerable Populations: Three Essays — Jun 23, 2009

This dissertation consists of three stand-alone essays that focus on the economics of preserving health among vulnerable population, specifically chronic ill and elderly population.

Project

Helping Local Communities Assess Health — Jun 2, 2009

RAND Health can assess the health care systems and capacities of counties and population centers. As communities become increasingly diverse and the economic climate shifts, policymakers need dependable data and analysis to help understand and plan for the health of residents.

Journal Article

Managed Care Quality of Care and Plan Choice in New York SCHIP — Jun 1, 2009

Examines whether low-income parents of children enrolled in the New York State Children's Health Insurance Program (SCHIP) choose managed care plans with better quality of care.

Journal Article

Who Gets Disease Management? — May 1, 2009

This was an observational study of the health care use, costs, and quality of care of 27,211 members of a large health insurer who were identified through claims as having asthma, diabetes, or congestive heart failure, were considered to be at high risk for incurring significant claims costs, and were eligible to join a disease management program involving health coaching. Findings illuminated the serious problem of selection into Disease management (DM) programs and suggest that the effectiveness levels found in prior evaluations using methodologies that don't address this may be overstated.

Journal Article

Cost Sharing and the Initiation of Drug Therapy for the Chronically Ill — Apr 27, 2009

The authors conducted a retrospective cohort study of older adults with employer-provided drug coverage from 1997 to 2002 from 31 different health plans. For all study conditions, higher copayments were associated with delayed initiation of therapy.

Journal Article

The Scientific Evidence for Child Health Insurance — Jan 15, 2009

Discusses two critical policy options related to child health insurance: reauthorization and potential expansion of the State Children's Health Insurance Program (SCHIP), and expansion of health insurance to all children.

Journal Article

Price Variation in Markets with Homogeneous Goods: The Case of Medigap — Jan 1, 2009

Nearly 30 percent of Americans age 65 and older supplement their Medicare health insurance through the Medigap private insurance market.

Journal Article

Prostate Cancer Severity Among Low Income, Uninsured Men — Jan 1, 2009

The proportion of American men with organ confined, low risk prostate cancer has increased significantly during the last 2 decades.

Journal Article

Psychometric Properties of an Instrument to Assess Medicare Beneficiaries' Prescription Drug Plan Experiences — Jan 1, 2009

Using data from 335,249 Medicare beneficiaries who responded to the 2007 Medicare Consumer Assessment of Healthcare Providers and Systems (CAHPS) survey, along with data from 22 cognitive interviews, the authors investigated the reliability and validity of an instrument designed to assess beneficiaries' experiences with their prescription drug plans.

Journal Article

Does Medicare Save Lives? — Jan 1, 2009

Health insurance characteristics shift at age 65 as most people become eligible for Medicare. The authors measure the impacts of these changes on patients who are admitted to hospitals through emergency departments for conditions with similar admission rates on weekdays and weekends.

Journal Article

The Health Effects of Medicare for the Near-Elderly Uninsured — Jan 1, 2009

Determine whether Medicare enrollment at age 65 has an effect on the health trajectory of the near-elderly uninsured.

Journal Article

The Medicare Hospice Payment System: A Consideration of Potential Refinements — Jan 1, 2009

The purpose of this article is to examine variation in resource utilization across and within patient stays in the context of Medicare's per diem payment system for hospice.

Journal Article

External Validation of a Claims-Based Algorithm for Classifying Kidney-Cancer Surgeries — Jan 1, 2009

Unlike other malignancies, there is no literature supporting the accuracy of medical claims data for identifying surgical treatments among patients with kidney cancer. The authors sought to validate externally a previously published Medicare-claims-based algorithm for classifying surgical treatments among patients with early-stage kidney cancer.

Journal Article

Does Health Insurance Make You Fat? — Jan 1, 2009

In this paper, the authors test the proposition that body weight is influenced by insurance coverage using two approaches.

Journal Article

Quality Assessments By Sick and Healthy Beneficiaries in Traditional Medicare and Medicare Managed Care — Jan 1, 2009

The Centers for Medicare and Medicaid Services pays for services provided through traditional fee-for-service (FFS) Medicare and managed care plans (Medicare Advantage [MA]). It is important to understand how financing and organizational arrangements relate to quality of care. Compares care experiences and preventive services receipt in traditional Medicare and MA for healthy and sick beneficiaries.

Journal Article

Patient Activation Status as a Predictor of Patient Experience Among Medicare Beneficiaries — Jan 1, 2009

Determines whether Patient activation status (PAS) is predictive of Medicare beneficiary health care experiences with health providers and insurance plans after case-mix adjustment.

Journal Article

Insurer Bargaining and Negotiated Drug Prices in Medicare Part D — Jan 1, 2009

The authors test whether insurers that experience larger enrollment increases due to Medicare Part D negotiate lower drug prices with pharmacies. Overall, the authors find that 100,000 additional insureds lead to 2.5-percent lower pharmacy prices negotiated by the insurer, and 5-percent reductions in pharmacy profits earned on prescriptions filled by enrollees of that insurer.

My RAND ?

Saved Items

Recommended