Insurance

  • Rob Cox and Kenneth Feinberg at RAND's Politics Aside 2014

    Blog

    In the Wake of Disaster: Practical and Philosophical Challenges of Victim Compensation

    When tragedy strikes, Kenneth Feinberg is often the person companies and governments turn to for help to determine appropriate monetary compensation. At RAND's Politics Aside event last week, he shared some of his thoughts on what goes into making those decisions, and why it's so important to meet with victims.

    Nov 20, 2014

  • Susan Dentzer, Leonard Schaeffer, Sue Siegel, David Goldhill, and Bob Kocher at RAND's Politics Aside 2014

    Blog

    Innovations in Health Care: New Treatments, Changing Systems

    From the Affordable Care Act and new advances in medical technology to the impact of the aging population, panelists at RAND's Politics Aside discussed a wide-range of topics affecting America's health care system today and into the future.

    Nov 18, 2014

  • Social Security Disability claim form, pen, calculator

    Commentary

    Addressing SSDI's Looming Insolvency

    Social Security Disability Insurance will be unable to cover 20 percent of its scheduled benefit obligations beginning in 2016. The lack of an evidentiary base to guide policy has been one of the major impediments to the consideration of changes that could modernize the program without jeopardizing its essential safety net function.

    Nov 12, 2014

  • Doctor with a clipboard and patients in a waiting room

    Commentary

    The ACA's Tax Credits Keep Premiums Low for Everyone

    The ACA's tax credits currently contain several properties that stabilize premiums while providing assistance to low- and moderate-income people. As policymakers contemplate modifications to the ACA that would affect the tax credits, it will be important to consider not only how they affect those who are eligible, but also how they affect premiums for everyone else.

    Nov 10, 2014

  • Doctor and patient shaking hands

    Commentary

    A Case for Exchange-Based, Long-Term Health Insurance Policies

    Multi-year health plans have the potential to finally align the interests of health plan enrollees and insurers by reaping long-term benefits of patient health management.

    Nov 10, 2014

  • News Release

    Biosimilar Medications Could Create Billions in Health Care Savings

    Introducing competing “biosimilar” versions of complex biologic drugs used to treat illnesses such as cancer and rheumatoid arthritis could cut spending on biologics in the United States by $44 billion over the next decade.

    Nov 3, 2014

  • Blue and green pills and tablets

    Report

    Biosimilar Medications Could Create Billions in Health Care Savings

    Introducing competing “biosimilar” versions of complex biologic drugs used to treat illnesses such as cancer and rheumatoid arthritis could cut spending on biologics in the United States by $44 billion over the next decade.

    Nov 3, 2014

  • 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

  • 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

  • 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

  • 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

  • News Release

    Making It More Difficult to Sue Physicians for Malpractice May Not Reduce 'Defensive Medicine'

    Malpractice reform has been advocated by many experts as a key to reining in health care costs. Three states raised the standard for malpractice in the emergency room to gross negligence, but that did not translate into less-expensive care.

    Oct 15, 2014

  • Surgeon holding a scalpel

    Project

    California's Proposition 46 and What It May Mean for Patients

    What does RAND research reveal about the potential effects of Proposition 46, a California ballot initiative that will modify non-economic damage awards for medical malpractice cases and physician drug abuse and prescribing? RAND addresses common questions about its impact in California and elsewhere in the U.S.

    Oct 10, 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

  • Report

    The Future of the Terrorism Risk Insurance Act

    Recounts the proceedings of a conference to discuss recent RAND research on issues related to the potential reauthorization of the Terrorism Risk Insurance Act, as well as the varying implications of TRIA's expiration, modification, and extension.

    Sep 2, 2014

  • News Release

    Federal Drug Discount Program Faces Challenges as It Expands Under Health Reform

    A federal program that provides billions in drug discounts to safety net hospitals and other health care providers is expanding under health care reform, but divergent views on the purpose and future scope of the program create uncertainty for safety net providers and drug manufacturers.

    Aug 12, 2014

  • Report

    RAND Review: Vol. 38, No. 2, Summer 2014

    The cover story discusses the rising wave of cybercrime and possible responses to it, while other features highlight research on medical innovation and U.S. security cooperation, plus public policy insights from Victor Hugo.

    Aug 7, 2014

  • A sheriff walks toward the cyber horizon.

    Periodical

    RAND Review Takes Measure of Cybercrime, Medical Innovation, U.S. Security Cooperation

    Stories in RAND's flagship magazine discuss the duel between cybercrime and the law, the gamble of medical innovation, and the fruits of U.S. security cooperation.

    Aug 7, 2014

  • Seismograph instrument measuring ground movement during earthquake

    Testimony

    Catastrophic Risk in California: Are Homeowners and Communities Prepared?

    Predictions about the inevitability of a major earthquake in California is generating concern about how to pay for rebuilding after a catastrophic event. Insurance alone isn’t the answer, but exploring ways for insurance premiums to better reflect loss could help homeowners prepare for "the big one.”

    Aug 6, 2014

  • U.S. Capitol building with summer flowers

    Blog

    Summer Reading for Congress

    No matter how policymakers spend their break—meeting with home-state constituents, traveling abroad with congressional delegations, or spending time with family—this summer reading list contains policy ideas that can help them hit the ground running when they return.

    Jul 31, 2014