Cover: Characteristics of Health Insurance Coverage

Characteristics of Health Insurance Coverage

Descriptive and Methodological Findings from the Health Insurance Experiment

Published 1986

by M. Susan Marquis


Download eBook for Free

FormatFile SizeNotes
PDF file 2.4 MB

Use Adobe Acrobat Reader version 10 or higher for the best experience.


Purchase Print Copy

 Format Price
Add to Cart Paperback86 pages $30.00

Information about the generosity of health insurance coverage is essential for formulating health financing policy. This Note describes the insurance coverage held by individuals under age 65, based on data collected as part of the RAND Health Insurance Experiment. The study found notable differences between income groups in the degree of protection against medical expenses. The poor are more likely to be uninsured than higher income individuals, and the difference is pronounced if adequacy of protection is defined relative to income. The study also found that a few key characteristics of a medical plan explain about 70 percent of the variance between plans in the comprehensive generosity measures, suggesting that a simple set of proxy indicators of plan generosity can be obtained at reasonable cost.

This report is part of the RAND note series. The note was a product of RAND from 1979 to 1993 that reported other outputs of sponsored research for general distribution.

This document and trademark(s) contained herein are protected by law. This representation of RAND intellectual property is provided for noncommercial use only. Unauthorized posting of this publication online is prohibited; linking directly to this product page is encouraged. Permission is required from RAND to reproduce, or reuse in another form, any of its research documents for commercial purposes. For information on reprint and reuse permissions, please visit

RAND is a nonprofit institution that helps improve policy and decisionmaking through research and analysis. RAND's publications do not necessarily reflect the opinions of its research clients and sponsors.