Americans expect affordable coverage for pre-existing conditions, access to routine services, and protection from unpredictable and significant financial risk from accidents or illness. As a product designed primarily for risk protection, insurance may not be the most efficient or affordable approach to achieving all of these objectives.
Sep 23, 2017 U.S. News & World Report
Congress will soon discuss options to stabilize the individual market and ensure that all Americans have access to affordable coverage. Policymakers could encourage enrollment, make targeted investments to lower premiums, fund cost-sharing reductions, and enforce the individual mandate.
Aug 25, 2017 The Hill
Paying for health care coverage is a challenge for Americans facing rising premiums, deductibles, and copayments. The ACA's tax credits that make marketplace insurance more affordable for lower-income individuals should be extended to middle-income adults aged 50–64.
Jul 27, 2017 The Commonwealth Fund Blog
Despite their differences, the Affordable Care Act and the current proposals to replace it take a similar approach to providing health insurance. What might some alternatives look like? And how could they provide coverage to more Americans?
Jul 10, 2017 Fortune
The American Health Care Act would guarantee that individuals with pre-existing conditions could enroll in insurance even if they had a coverage lapse. But there is no guarantee that this coverage would be affordable, and coverage of some essential health benefits could be excluded.
May 28, 2017 U.S. News & World Report
Removing Maternity Care and Mental Health Treatment from Coverage Requirements Would Reduce Premiums, but Lead to Significant Spending Increases for Some Consumers
The American Health Care Act passed by the U.S. House of Representatives to repeal and replace the Affordable Care Act allows states to waive benefits that the ACA deemed “essential.” Dropping maternity care coverage, for example, would reduce premiums by 5 percent but increase out-of-pocket spending for new mothers.
May 18, 2017 The Commonwealth Fund Blog
As Congress considers repealing and replacing the Affordable Care Act, it will need to consider how federal budget scoring can affect the fate of legislation. Depending on the ultimate cost of a replacement, finding enough savings to offset costs while maintaining budget neutrality could make it hard to pass a replacement.
Jan 11, 2017 The Commonwealth Fund Blog
Whether or not the Affordable Care Act is repealed, having young adults participate in the individual health insurance market remains critical to achieving affordable premiums for everyone.
Dec 16, 2016 The Commonwealth Fund Blog
Donald Trump wants to repeal and replace the Affordable Care Act. Hillary Clinton wants to maintain and modify it. How could each proposal impact coverage, out-of-pocket costs, and the deficit?
Sep 23, 2016
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 The Commonwealth Fund Blog
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 The RAND Blog
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 The Commonwealth Fund Blog
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 The Commonwealth Fund Blog
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.
Jun 26, 2015 U.S. News & World Report
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 The RAND Blog
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 The Morning Consult
Americans devote about 17 percent of GDP to health care consumption. In 2013, U.S. GDP was $16.8 trillion, and the population was 316 million. Together, these numbers imply that Americans spent about $9,200 per person on health care. Who's paying for this?
Jan 15, 2015 The Morning Consult
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 The Morning Consult
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 The Morning Consult
Early survey evidence indicates that the Affordable Care Act has already led to a substantial increase in insurance coverage. Consistent with the ACA's design, this gain in insurance has come not only from new enrollment in the marketplaces, but also from new enrollment in employer coverage and Medicaid.
Apr 8, 2014 The RAND Blog
Although one of the primary objectives of the Affordable Care Act is to achieve near-universal health insurance coverage, the Congressional Budget Office projects that 30 million residents, more than 10 percent of the nonelderly population, will remain uninsured after the major provisions of the ACA take full effect.
Mar 7, 2014 The RAND Blog
The vision of the ACA was “no wrong door” and an affordable option for everyone, but it appears based on the data available so far that, in the non-Medicaid expansion states, there is a closed door.
Feb 10, 2014 Health Affairs Blog
As the ACA is implemented, policy makers should be attuned to potential inefficiencies and inequities created by a system with different regulatory and tax rules for small employers, large employers, and individual health plans. Attempts to equalize the playing field may be difficult.
Dec 2, 2013 New England Journal of Medicine
David Mastio, Forum editor at USA TODAY, asked RAND's Christine Eibner four questions about President Obama's plan to fix the problem with people getting their insurance canceled.
Nov 15, 2013 USA Today
Out-of-pocket spending on health care will decrease for both the newly insured as well as for those changing their source of insurance. These decreases will be largest for those who would otherwise be uninsured.
Oct 1, 2013 The Health Care Blog
Because of the ACA's regulations, some smaller employers with young and healthy workers are considering avoiding the purchase of health care coverage in the regulated market, opting instead to self-insure their employees.
Jun 17, 2013 The RAND Blog
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.
Mar 21, 2012 USA Today