Insurance

Research conducted by: RAND Justice, Infrastructure, and Environment; RAND Health; Center for Terrorism Risk Management Policy; Center for Health and Safety in the Workplace

All Items (612)

News Release

Ending Individual Mandate Would Cut Health Coverage, but Not Dramatically Hike Insurance Price — Feb 16, 2012

Eliminating a key part of health care reform that requires all Americans to have health insurance would sharply lower the number of people gaining coverage, but would not dramatically increase the cost of buying policies through new insurance exchanges.

Research Brief

How Would Eliminating the Individual Mandate Affect Health Coverage and Premium Costs? — Feb 16, 2012

An analysis of the effects of implementing the Affordable Care Act without an individual mandate found that over 12 million people who would have otherwise signed up for coverage will be uninsured and premium prices will increase by 2.4 percent.

Report

Ending Individual Mandate Would Cut Health Coverage, but Not Dramatically Hike Insurance Price — Feb 16, 2012

Eliminating a key part of health care reform that requires all Americans to have health insurance would sharply lower the number of people gaining coverage, but would not dramatically increase the cost of buying policies through new insurance exchanges.

Journal Article

Rules Allowing Small Businesses to Opt Out of Health Reform Should Have Minor Impact on Insurance Cost — Feb 8, 2012

Rules that allow some small employers to avoid regulation under the federal Affordable Care Act are unlikely to have a major impact on the future cost of health insurance unless those rules are relaxed to allow more businesses to opt out.

Journal Article

Financial Burden of Prescription Drugs Is Dropping, but Costs Remain a Challenge for Many Families — Feb 8, 2012

The financial burden Americans face paying out-of-pocket costs for prescription drugs has declined, although prescription costs remain a significant challenge for people with lower incomes and those with public insurance.

News Release

Rules Allowing Small Businesses to Opt Out of Health Reform Should Have Minor Impact on Insurance Cost — Feb 8, 2012

Rules that allow some small employers to avoid regulation under the federal Affordable Care Act are unlikely to have a major impact on the future cost of health insurance unless those rules are relaxed to allow more businesses to opt out.

News Release

Financial Burden of Prescription Drugs Is Dropping, but Costs Remain a Challenge for Many Families — Feb 8, 2012

The financial burden Americans face paying out-of-pocket costs for prescription drugs has declined, although prescription costs remain a significant challenge for people with lower incomes and those with public insurance.

Project

Does Disability Insurance Save Lives? — Feb 1, 2012

Previous research has shown that changes in income and health insurance are associated with changes in health and/or mortality. An examination of administrative data may show whether receipt of Social Security Disability Insurance and participation in related programs causally affect survival rates among applicants.

Journal Article

Sources of Regional Variation in Medicare Part D Drug Spending — Feb 1, 2012

Regional variation in Medicare Part D spending for prescription drugs results largely from differences in the cost of drugs selected rather than prescription volume.

Journal Article

Momentary Effects of Exposure to Prosmoking Media on College Students' Future Smoking Risk — Feb 1, 2012

This study used ecological momentary assessment to examine acute changes in college students' future smoking risk as a function of their exposure to prosmoking media (e.g., smoking in movies, paid advertising, point-of-sale displays).

Journal Article

What Oregon's Parity Law Can Tell Us About the Federal Mental Health Parity and Addiction Equity Act and Spending on Substance Abuse Treatment Services — Feb 1, 2012

Oregon's experience suggests that behavioral health insurance parity that places restrictions on how plans manage the benefit may lead to increases in expenditures for alcohol treatment services but is unlikely to lead to increases in spending for other drug abuse treatment services.

News Release

California Workplace Safety Program Can Reduce Injuries When Inspectors Enforce It — Jan 26, 2012

The first evaluation of the California Injury and Illness Prevention Program found evidence that it reduces workplace injuries, but only at businesses that had been cited for not addressing the regulation's more-specific safety mandates. Higher penalties could enhance compliance but having inspectors conduct more in-depth assessments and linking the violations and injuries to the program would have more impact.

Report

California Workplace Safety Program Can Reduce Injuries When Inspectors Enforce It — Jan 26, 2012

The first evaluation of the California Injury and Illness Prevention Program found that it reduces workplace injuries, but only at businesses that had been cited for not addressing the regulation's more-specific safety mandates. Having inspectors conduct more in-depth assessments and linking the violations and injuries to the program would have more impact.

Commentary

How Will the Effects of the Affordable Care Act Be Monitored? — Jan 4, 2012

Most will agree with the undeniable fact that a new era in US medicine and US health care begins in less than two years. The key question is what potential measures should be monitored to determine both anticipated and unanticipated effects of the new law on the health of the US population, writes Robert H. Brook.

Journal Article

Medical Expenditure Risk and Household Portfolio Choice — Jan 1, 2012

Ownership of risky assets rises as the risk of medical expenditure decreases. Medigap or employer supplemental insurance increases risky asset holding by about 7 percentage points. Belonging to a Medicare HMO increases risky asset holding by 13 percentage points.

Journal Article

Impacts of Rising Health Care Costs on Families with Employment-Based Private Insurance: A National Analysis with State Fixed Effects — Jan 1, 2012

Rising health costs reduce employment-based private insurance availability and enrollment, and the financial protection provided by it, especially for middle-class families.

Journal Article

Take-up of Public Insurance and Crowd-Out of Private Insurance Under Recent CHIP Expansions to Higher Income Children — Jan 1, 2012

The CHIP expansions to children in higher income families were associated with limited uptake of public coverage.

Project

Assessing Quality of Care for Carpal Tunnel Syndrome — Dec 2, 2011

By measuring the quality of care for carpal tunnel syndrome (CTS) in a large workers' compensation provider organization in California and assessing value to workers and employers, RAND laid the groundwork for ongoing quality assessment and improvement programs in workers' compensation settings within California and elsewhere.

Commentary

Provider Consolidation Key Factor in Affordable Coverage — Nov 28, 2011

Hospitals operating with little competition are able to charge health plans much higher prices, which are passed on to consumers in the form of higher insurance premiums, writes Glenn Melnick.

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