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Health Insurance Cost Sharing

Health Insurance Cost Sharing
commentary
Four Steps That Could Stabilize the Health Insurance Market
Christine Eibner @Chrissyeibner
Aug 25, 2017
The Hill
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.
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Health Insurance Cost Sharing
commentary
Insuring Younger Adults Through the ACA's Marketplaces: Options to Expand Enrollment
Evan Saltzman, Christine Eibner @Chrissyeibner
Dec 16, 2016
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Whether or not the Affordable Care Act is repealed, having young adults participate in the individual health insurance market remains critical to achieving affordable premiums for everyone.
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Prescription Drug Benefits
commentary
Easing the Pain When Critical Medications Are No Longer Covered
Erin Audrey Taylor
Oct 28, 2016
The Hill
Allowing insurance companies to limit the drugs they cover is necessary to give them leverage that can result in lower medication costs for all patients. Still, there are ways to make the process more transparent and manageable.
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Health Insurance Cost Sharing
q&a
Estimating the Impacts of the Trump and Clinton Health Plans
Sep 23, 2016
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?
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Health Insurance Cost Sharing
commentary
At 40, a Pioneering Health Care Experiment Remains Relevant
Michael D. Rich @michaeldrich
Apr 18, 2016
The RAND Blog
The impact of RAND's Health Insurance Experiment has been wide-reaching. The study's conclusions encouraged the restructuring of private insurance and helped increase the stature of managed care in the United States.
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Affordable Care Act
commentary
Modifying the ACA's Family Subsidy Rules to Help Ensure Affordability
Amado Cordova, Sarah Nowak, Evan Saltzman
Jan 12, 2016
The Commonwealth Fund Blog
The ACA encourages workers to retain employer coverage by restricting their eligibility for marketplace subsidies. Modifying the policy could help 700,000 people gain coverage and lower spending for 1.6 million who are insured but face high health care costs under current ACA policy.
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Health Care Price Competition
commentary
Bringing Sky-High Prescription Drug Prices Down to Earth
Erin Audrey Taylor
Dec 10, 2015
KevinMD.com
Increased competition among drug companies and improved bargaining power of insurers and consumers could help keep high prescription prices in check.
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Health Insurance Cost Sharing
commentary
What Happens If the ACA's Tax Credits Are Replaced with Premium Support?
Evan Saltzman, Christine Eibner @Chrissyeibner
Nov 24, 2015
The Commonwealth Fund Blog
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.
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Family Planning
commentary
Policy Barriers to Best Practices: The Impact of Restrictive State Regulations on Access to Long-Acting Reversible Contraceptives
Priya Batra, Chloe E. Bird @ChloeBirdPhD
Nov 6, 2015
Women's Health Issues
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.
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Employer Sponsored Health Insurance
commentary
Employer-Provided Health Insurance: Why Does It Persist, and Will It Continue after 2014?
Christine Eibner @Chrissyeibner
Dec 2, 2013
New England Journal of Medicine
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.
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Medicaid
q&a
Quick Takes: The Math of Medicaid Expansion
Oct 21, 2013
The RAND Blog
Expanding Medicaid under the Affordable Care Act (ACA) is both contentious and complicated. RAND mathematician Carter Price has been using the COMPARE model to help those making decisions understand what their choices mean for their budgets and population health.
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Health Care Cost Inflation
commentary
Health Care Spending: What's in Store?
Arthur L. Kellermann
Jul 16, 2013
Health Affairs Blog
Resolving the question of whether or not the U.S. has finally gotten a handle on health care spending is vitally important, because the choices we make going forward will have profound implications for our economy, the financial wellbeing of millions of American families, and ultimately America's standing in the world.
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Health Care Costs
blog
Are You a 'Wise' Health Care Consumer?
Ramya Chari, Arthur L. Kellermann
Feb 5, 2013
To be wise purchasers of health care services, consumers need access to accurate and understandable information about health plans and providers. They wrongly assume that more expensive providers are better than less expensive ones, despite inconsistent evidence that there is any link between health care cost and quality.
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Employer Sponsored Health Insurance
commentary
Health Care Cost Growth Is Hurting Middle-Class Families
Arthur L. Kellermann, David I. Auerbach
Jan 8, 2013
Health Affairs Blog
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.
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Health Care Cost Inflation
commentary
Health Care Costs Are Killing Us
Arthur L. Kellermann
Jan 4, 2013
the RWJF's Human Capital Blog
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.
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Prescription Drug Benefits
blog
When Patients Don't Take Their Medicine: What Role Do Doctors Play in Promoting Prescription Adherence?
Douglas S. Bell, David M. Adamson
Aug 29, 2012
A new paradigm that clarifies joint provider–patient responsibility may be needed to better guide communication about medication adherence, write Douglas S. Bell and David M. Adamson.
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Affordable Care Act
commentary
Will More Employers Drop Coverage Under the ACA? Don't Bet on It
Arthur L. Kellermann
Jul 27, 2012
RAND.org
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.
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blog
Expanding Consumer-Directed Health Plans Could Help Cut Overall Health Care Spending
Jun 1, 2012
If consumer-directed health plans grow to account for half of all employer-sponsored insurance in the United States, health costs could drop by $57 billion annually--about 4 percent of all health care spending among the nonelderly.
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commentary
Can the Patient-Centered Outcomes Research Institute Become Relevant to Controlling Medical Costs and Improving Value?
Robert H. Brook
Nov 9, 2011
The Journal of the American Medical Association
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.
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Health and Health Care
commentary
Scorecard for New Health Reform Legislation
Elizabeth A. McGlynn
Mar 26, 2010
National Journal
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.
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Health Care Reform
commentary
Obama's Health Plan: New Federal Role for Insurance Regulation
Elizabeth A. McGlynn
Feb 22, 2010
National Journal Online
In general, health insurance premiums are set at a level that will cover the expected payouts for insured people plus profit. To provide a context for understanding price increases, this document identifies the factors that insurance companies consider when setting rates for the next year, writes Elizabeth McGlynn.
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Health Insurance Cost Sharing

Four Steps That Could Stabilize the Health Insurance Market

Insuring Younger Adults Through the ACA's Marketplaces: Options to Expand Enrollment

Easing the Pain When Critical Medications Are No Longer Covered

Estimating the Impacts of the Trump and Clinton Health Plans

At 40, a Pioneering Health Care Experiment Remains Relevant

Modifying the ACA's Family Subsidy Rules to Help Ensure Affordability

Bringing Sky-High Prescription Drug Prices Down to Earth

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

Policy Barriers to Best Practices: The Impact of Restrictive State Regulations on Access to Long-Acting Reversible Contraceptives

Employer-Provided Health Insurance: Why Does It Persist, and Will It Continue after 2014?

Quick Takes: The Math of Medicaid Expansion

Health Care Spending: What's in Store?

Are You a 'Wise' Health Care Consumer?

Health Care Cost Growth Is Hurting Middle-Class Families

Health Care Costs Are Killing Us

When Patients Don't Take Their Medicine: What Role Do Doctors Play in Promoting Prescription Adherence?

Will More Employers Drop Coverage Under the ACA? Don't Bet on It

Expanding Consumer-Directed Health Plans Could Help Cut Overall Health Care Spending

Can the Patient-Centered Outcomes Research Institute Become Relevant to Controlling Medical Costs and Improving Value?

Scorecard for New Health Reform Legislation

Obama's Health Plan: New Federal Role for Insurance Regulation

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