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Health Insurance Benefit Design

Report
Eliminating Subsidies for People to Buy Health Coverage Would Increase Premiums and Number of Uninsured
Eliminating subsidies that help low- and moderate-income people purchase coverage through government-run health insurance marketplaces would boost costs for consumers as much as 43 percent and cause more than 11 million Americans to lose their health insurance.
Oct 21, 2014
Report
Barriers to Enrollment in Health Coverage in Colorado
Explores why eligible individuals are not enrolled in health insurance coverage in Colorado and makes recommendations on how Colorado can strengthen its future outreach and enrollment efforts.
Oct 6, 2014
Tool
Five Steps to a Successful Workplace Wellness Program
Workplace wellness programs can reduce health risks, lower health care costs, and improve productivity — but all programs are not created equal. This toolkit presents a five-step guide for the planning, implementation, and evaluation of a successful workplace wellness program.
Jun 24, 2014
Blog
In Brief: Amelia M. Haviland on Consumer-Directed Health Plans
In this video, Amelia Haviland presents the results of several new RAND studies on cost and quality in consumer-directed health plans, and explores how switching plans affects the quality of care.
Jan 23, 2013
Multimedia
Skin in the Game: How Consumer-Directed Health Plans Can Affect the Cost and Use of Health Care
In this December 2012 Congressional Briefing, Amelia Haviland presents the results of several RAND studies on cost and quality in consumer-directed health plans, including how a switch to such plans may affect the quality of health care for participating families.
Dec 10, 2012
Research Brief
Engage and Empower Consumers to Contain Health Care Spending
Cost-sharing leads consumers to reduce both highly beneficial and less beneficial care, so they must be empowered with useful information to make informed decisions. Public cost and quality reports must be accurate, accessible, and understandable.
Nov 15, 2012
Journal Article
Do Health Plans Risk-Select? An Audit Study on Germany's Social Health Insurance
This paper evaluates whether health plans in Germany's Social Health Insurance select on an easily observable predictor of risk: geography.
Oct 1, 2012
Research Brief
Consumer-Directed Plans Could Cut Health Costs Sharply, but Also Discourage Preventive Care
Switching to a consumer-directed health plan (CDHP) could save families 20 percent or more on their health care costs. Families with CDHPs initiate less episodes of care and spend less per episode, however, they also tend to scale back on high-value preventive care, such as child vaccinations.
Jun 28, 2012
Blog
Expanding Consumer-Directed Health Plans Could Help Cut Overall Health Care Spending
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.
Jun 1, 2012
News Release
Expanding Consumer-Directed Health Plans Could Help Cut Overall Health Care Spending
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.
May 7, 2012
Journal Article
Expanding Consumer-Directed Health Plans Could Help Cut Overall Health Care Spending
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.
May 1, 2012
Journal Article
Survey Results Show That Adults Are Willing to Pay Higher Insurance Premiums for Generous Coverage of Specialty Drugs
This study estimated how healthy people value insurance coverage of specialty drugs, defined as high-cost drugs that treat cancer and other serious health conditions like multiple sclerosis, by quantifying willingness to pay via a survey.
Apr 1, 2012
News Release
Consumers May Have More Control Over Health Care Costs Than Previously Thought
The historic RAND Health Insurance Experiment found that patients had little or no control over their health care spending once they began to receive a physician's care, but this has changed for those enrolled in consumer-directed health plans.
Sep 29, 2011
News Release
High-Deductible Health Plans Pose No Special Risks to Medically Vulnerable Populations
People who are medically vulnerable -- those with low incomes or chronic health problems -- who enroll in high-deductible health plans are at no more risk for cutting back on needed health care than other people who enroll in the plans.
Apr 18, 2011
Journal Article
Largest Study of High-Deductible Health Plans Finds Substantial Cost Savings, but Less Preventive Care
The largest-ever assessment of high-deductible health plans finds that while such plans significantly cut health spending, they also prompt patients to cut back on preventive health care.
Feb 28, 2011
Commentary
Obama's Health Plan: New Federal Role for Insurance Regulation
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 ...
Feb 22, 2010
Report
Feasibility and Design Options for a Potential Entity to Research the Comparative Effectiveness of Medical Treatments
The options available to Massachusetts as it considers establishing a comparative effectiveness center to guide health care purchasing decisions are feasible, but design decisions depend on the prioritization of comparative effectiveness research.
Jan 15, 2010
Report
Modify Federal Tax Code to Create Incentives for Individuals to Obtain Coverage
This document explores how a refundable tax credit to offset the cost of health insurance premiums would affect health system performance along nine dimensions.
Jan 8, 2010
Report
Ease Medicaid/SCHIP Eligibility Rules
This document explores how expanding Medicaid/SCHIP eligibility would affect health system performance along nine dimensions.
Jan 8, 2010
Report
Increase the Use of "Bundled" Payment Approaches
This document explores how increased use of bundled payment approaches would affect health system performance along nine dimensions.
Jan 8, 2010

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RAND Health Care