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.

  • Colorful pills on blue background, photo by Julia Sudnitskaya/Fotolia


    Policy Options for Covering High-Cost Cures

    May 3, 2016

    Strategic behavior by health insurers could unravel the market for cures for chronic diseases. The cost of these cures is front-loaded, but the benefits build up over time. Thus, insurers might try to delay treatment or avoid patients who need it, in the hope that they change insurers.

  • Pharmacist discussing prescription with customer, photo by SelectStock/Getty Images

    Journal Article

    Prescription Drug Use Rises, Out-of-Pocket Spending Drops Among Those Newly Insured Under the ACA

    Aug 17, 2016

    A study of nearly 7 million prescription drug users' experiences provides strong evidence that the Affordable Care Act has increased treatment rates while reducing out-of-pocket spending, particularly for those with certain chronic health conditions.

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