• An elderly person's hands on a doctor's desk next to a stethoscope


    What Happens If the ACA's Tax Credits Are Replaced with Premium Support?

    As policymakers consider alternatives to reduce the federal government's financial burden from providing subsidies under the ACA, they should consider the consequences for enrollees. Existing premium-support models yield considerable savings for the federal government but could create age and income disparities in coverage.

    Nov 24, 2015

  • Journal Article

    How Does Tort Law Affect Consumer Auto Insurance Costs?

    Using data from the Consumer Expenditure Survey and a differences-in-differences research design, this article examines whether any of several common state-level modifications to tort law affect consumer costs for auto insurance.

    Nov 23, 2015

  • People shopping at Fa Yuen Street Market, Mong Kok, Hong Kong

    Journal Article

    Universal Health Insurance Coverage for 1.3 Billion People: What Accounts for China's Success?

    Through a systematic political and socio-economic analysis, this study identifies seven major drivers for China's success in implementing universal health insurance coverage for 1.3 billion people.

    Nov 23, 2015

  • Patients waiting to see a doctor


    Insurance Enrollment Holds Steady in Advance of the 2016 Open Enrollment Period

    Since September 2013, the number of people with health insurance coverage has increased by 16.6 million. But since the second ACA open enrollment period in February 2015, the number of people with coverage has remained relatively flat. The third open enrollment period began on November 1. Whether the number of uninsured will continue to decline remains an open question.

    Nov 12, 2015

  • A woman listening to her doctor


    Policy Barriers to Best Practices in Women's Health

    Long-acting reversible contraceptive (LARC) methods of birth control, which include the intrauterine device and subdermal implant, are highly effective, very safe, preferable to women, and cost effective. But some states' contraceptive policies create direct and indirect barriers to LARC use.

    Nov 6, 2015

  • Report

    Harnessing Private-Sector Innovation to Improve Health Insurance Exchanges

    In this paper, analysts consider privately facilitated health insurance exchanges to address some challenges and deepen the impact of health care reform. In this model, the private sector assumes responsibility for peripheral exchange functions.

    Nov 6, 2015

  • An IV and an epidural machine with a pregnant woman lying on a hospital bed


    A Tale of Two Deliveries, or an Out-of-Network Problem

    Two mothers gave birth within weeks of each other, at the same hospital, using the same employer-sponsored insurance. Both had an epidural. But one received a surprise physician bill for anesthesiology, while the other didn't have to pay a dime. Why?

    Nov 4, 2015

  • A senior man receives a consultation from his doctor


    Charging Older Adults Higher Premiums Could Cost Taxpayers

    Under the Affordable Care Act, older adults cannot be charged more than three times as much as 21- to 24-year-olds for the same plan. Changing this rule to 5-to-1 may not be a cost-effective way to encourage enrollment among the young and healthy.

    Sep 15, 2015

  • Pounds sterling and prescription drug capsules


    Evaluating the Length of Prescription Plans

    RAND Europe is conducting a study for NIHR to provide a high-quality reference on the clinical and cost-effectiveness of 3 month vs 28 days prescriptions in patients with stable chronic diseases.

    Aug 31, 2015

  • Calculator and stethoscope on a spreadsheet


    The Ramifications of Repealing the Individual Mandate

    As part of its goal of near-universal coverage, the Affordable Care Act requires most Americans to obtain insurance or pay a penalty. Repealing that requirement would significantly reduce health insurance enrollment and cause individual market premiums to rise.

    Aug 13, 2015

  • Engineer looking at factory emissions


    Climate Targets: Values and Uncertainty

    Policymakers know that the risks associated with climate change mean they need to cut greenhouse-gas emissions. But uncertainty surrounding the likelihood of different scenarios makes choosing specific policies difficult.

    Aug 11, 2015

  • News Release

    More Work Needed to Engage Consumers After Enrolling in Health Insurance Plans

    Enrolling in an insurance plan under the ACA is only the first step for consumers to be actively engaged in their health care. Low health literacy continues to be a barrier and many consumers still struggle with the complexity of health insurance terminology.

    Jul 29, 2015

  • Supporters of the Affordable Care Act celebrate after the Supreme Court ruled in favor of the Obama administration, Washington, DC, June 25, 2015


    Why Obamacare Lives

    Economic reasoning took center stage in the Supreme Court's decision on Thursday to uphold the legality of the Affordable Care Act's subsidies in all states. The subsidies are critical to ensuring that healthy people, with lower health care costs, have adequate incentive to enroll.

    Jun 26, 2015

  • Demonstrators hold signs showing the number of people they say could lose affordable health care in King v. Burwell, in front of the Supreme Court building, March 4, 2015


    What Americans Know About King v. Burwell

    An upcoming Supreme Court ruling regarding the Affordable Care Act could impact millions of Americans. Are Americans aware of the court case? And if so, what do they know about it?

    Jun 12, 2015

  • A woman helps a boy use a nebulizer

    News Release

    Chronic Care Management Programs Have Become Standard for Health Plans

    Programs to help patients manage chronic diseases such as diabetes and asthma appear to have become a standard component of health plans.

    May 26, 2015

  • News Release

    Health Coverage Grows Under Affordable Care Act

    Insurance coverage has increased across all types of insurance since the major provisions of the federal Affordable Care Act took effect, with a net total of 16.9 million people becoming newly enrolled through February 2015.

    May 6, 2015

  • Barack Obama signing the Patient Protection and Affordable Care Act at the White House, March 23, 2010


    The Affordable Care Act in Depth

    In-depth exploration of the Affordable Care Act, with emphasis on related RAND Health research.

    Apr 8, 2015

  • U.S. President Barack Obama speaks alongside Americans he says will benefit from the Affordable Care Act's marketplaces, October 1, 2013


    Five Years of the Affordable Care Act

    The Affordable Care Act has officially been part of the U.S. health care landscape for five years. We reflect on the twists and turns that followed its passage and the RAND research that informed debates along the way, and look ahead to the future of the ACA.

    Mar 23, 2015

  • Network diagram with a lock


    The High Cost of Hacks

    The cyber insurance industry can play a critical role in informing corporations about effective security controls, monitoring the use of those controls, and therefore help reduce the probability and magnitude of breaches. But it may be squandering this opportunity.

    Mar 9, 2015

  • Doctor explaining diagnosis to her female patient


    Exchange Tax Credits or Employer Coverage: What's Better for Low-Income Americans?

    As the King v. Burwell case approaches, there's likely to be more discussion about potential modifications to the ACA's tax credit structure. Policymakers might consider whether there are opportunities to level the playing field for low-income workers, regardless of whether their employers offer insurance.

    Feb 12, 2015