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

Commentary (28)

Governors Missing the Point on Medicaid — Apr 29, 2013

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While a governor or legislator may disagree with Medicaid expansion for philosophical reasons, the claims that the expansion will be a burden on states' economies seem misguided given the full range of projected economic impacts on the states, writes Carter C. Price.

Helping Obama—and Other Americans—Weigh Which Health Insurance Exchange to Pick — Apr 1, 2013

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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.

Health Care Costs Are Killing Us — Jan 4, 2013

At a time when our country is teetering on the edge of a “fiscal cliff,” no challenge in health care is more important than reducing health care spending, writes Arthur L. Kellermann.

Health Care Cost Growth Is Hurting Middle-Class Families — Jan 3, 2013

Unfortunately, nearly every actor in our health care delivery system—hospitals, physicians, other health care providers, insurance companies and the manufacturers of drugs and devices—is currently focused on maximizing revenue growth, write Arthur Kellermann and David Auerbach.

Will More Employers Drop Coverage Under the ACA? Don't Bet on It — Jul 27, 2012

A problem with using surveys to predict behavior is that they measure employer sentiment toward the ACA today, rather than the economic decisions employers typically make when the time comes, writes Art Kellermann.

PIP Mandate Keeps Michigan's Auto Premiums High — Jul 17, 2012

By offering consumers more flexibility in personal injury protection (PIP) coverage, the Michigan legislature can reduce costs for many drivers while enabling those who want the best coverage to continue to buy it, writes Paul Heaton.

What Happens Without the Individual Mandate? — Mar 21, 2012

If the individual mandate were ruled unconstitutional, subsidies and the age structure of premiums should keep enough healthy people in the insurance exchanges to prevent huge spikes in premiums, write Carter C. Price and Christine Eibner.

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.

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.

Can the Patient-Centered Outcomes Research Institute Become Relevant to Controlling Medical Costs and Improving Value? — Nov 9, 2011

A scientific and political case could be made to amend health care legislation to require that cost be included in the studies that the PCORI funds, writes Robert H. Brook.

Ensuring the ACA Helps Reduce Disparities—Not Exacerbate Them — Oct 14, 2011

Evidence from past efforts in the U.S. and abroad suggests that the full potential of health reform will not be realized without specific efforts to reduce disparities, write Robin M. Weinick, Malcom V. Williams, and Romana Hasnain-Wynia.

Next Big Obstacle for Obama's Affordable Care Act? It's Not Just the Supreme Court — Oct 3, 2011

The success of the Affordable Care Act to enroll those newly eligible in an appropriate insurance plan depends on clear communication to individuals who have limited health literacy, write Laurie T. Martin and Ruth M. Parker.

Insurance Expansion and Health Literacy — Aug 9, 2011

The ongoing evolution of the health care system is leading US households toward greater responsibility for their own well-being. With this responsibility, however, comes an increasing need to be able to find, trust, use, and act on relevant information to make informed choices, write Laurie T. Martin and Ruth M. Parker.

Early Diagnoses of the New Law — Mar 30, 2010

Can the health care system handle the demands of 30 million-plus new customers?, asks Elizabeth McGlynn.

Scorecard for New Health Reform Legislation — Mar 26, 2010

How close do you think that the health care reform plan would come, in reality, to achieving each goal? On a scale of 1 to 10, 10 is extremely close, and 1 is not at all close.

Health Care: Myths, Realities — Mar 23, 2010

To clear up some of the confusion about the newly approved health care legislation, Elizabeth McGlynn debunks some common misconceptions about the bill.

Obama's Health Plan: New Federal Role for Insurance Regulation — Feb 22, 2010

To provide a context for understanding health insurance premium price increases, this document identifies the factors that insurance companies consider when setting rates for the next year.

Finally, Presidential Support for the Individual Mandate — Sep 9, 2009

RAND's latest analysis of options for reducing the number of uninsured shows that among all the options included in the House tri-committee bill, the Senate HELP bill, and the proposal released by Senator Max Baucus, the individual mandate would have the greatest impact, writes Elizabeth McGlynn.

Fix the Healthcare System (and Fight the Recession, Too) — Aug 21, 2009

A little-known proposition amid the highly charged health care debate is that properly controlling health care spending could generate economic growth equal to 1 percent of gross domestic product, write Dana Goldman and Neeraj Sood.

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.

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