Health Insurance Mandates

  • Health care spending, money, medication, stethoscope


    Understanding the Impact of the Elimination of the Individual Mandate Penalty

    Starting in 2019, the Affordable Care Act's individual mandate penalty will be eliminated, effectively ending the law's requirement that most people have health insurance. While declines in coverage and increases in premiums are likely, the magnitudes of these effects are highly uncertain.

    Aug 10, 2018

  • Health care professional reviews insurance information with patient


    Four Steps That Could Stabilize the Health Insurance Market

    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

  • Opposing red and blue ropes pulling on a stethoscope


    Drama over Health Care Continues

    In this Call with the Experts, RAND senior economist Christine Eibner discusses the Affordable Care Act, what policymakers should consider, and changes that the current administration could make.

    Apr 11, 2017

  • The federal government forms for applying for health coverage under the Affordable Care Act


    Repeal-and-Delay Would Make Budget Neutrality for ACA Replacement Difficult

    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

  • Patient filling out forms in a doctor's office


    Can a Continuous Coverage Requirement Produce a Healthy Insurance Market?

    A continuous coverage requirement aims to discourage individuals from waiting until they become sick to buy insurance. This works well in theory. But there is little evidence on how it might work in practice.

    Jan 4, 2017

  • A man with his children in a doctor's waiting room


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

    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.

    Jan 12, 2016

  • 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

  • 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

  • News Release

    News Release

    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 sharply boost costs for consumers as much as 43 percent and cause more than 11 million Americans to lose their health insurance.

    Oct 21, 2014

  • A pulse oximeter used to measure pulse rate and oxygen levels with Sphygmomanometer and medical stethoscope and ECG background


    Checking the ACA's Vital Signs

    Despite pervasive challenges associated with the rollout of the Affordable Care Act (ACA), the administration remains optimistic about its fate. Critics, however, have seized upon the recent mishaps as evidence of the ACA's inevitable demise.

    Mar 17, 2014

  • doctor greeting elderly patient in waiting area


    Employer Mandate Delay II: Nothing to See Here

    Amid mounting political pressure and angst in the business community, the Obama administration announced an additional delay in enforcing the employer mandate component of the Affordable Care Act for some firms until 2016. The additional delay will have little impact.

    Mar 3, 2014

  • News Release

    News Release

    Plans Allowing People to Keep Health Insurance Will Not Threaten New Insurance Marketplaces

    Although three options put forward to help people keep their old health insurance plans all would cause some disruption of the risk pools that are important to the insurance exchanges, none of the changes would be severe enough to threaten their viability.

    Jan 21, 2014

  • U.S. President Barack Obama talks about the Affordable Care Act in the Brady Press Briefing Room at the White House in Washington, November 14, 2013


    Four Questions on Canceled Insurance Policy Fix

    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

  • health insurance policy and reading glasses


    Data Points: Why Delay of the Employer Mandate May Not Actually Mean That Much

    The bottom line is that the employer mandate does not provide a large inducement for firms to change their health insurance offerings, but it does raise a substantial amount of money to pay for the ACA's coverage provisions over time.

    Aug 29, 2013

  • News Release

    News Release

    Delay of Employer Insurance Mandate Will Not Cause Major Problems for Affordable Care Act

    A one-year delay in requiring large employers to provide health insurance to their workers will not significantly hurt the goals of the Affordable Care Act, but a repeal of the requirement would seriously undermine financial support for the law.

    Aug 19, 2013

  • News Release

    News Release

    Expanding Medicaid Is Best Financial Option for States

    States that choose not to expand Medicaid under federal health care reform will leave millions of their residents without health insurance and increase spending on the cost of treating uninsured residents, at least in the short term.

    Jun 3, 2013

  • "My Medicaid Matters" rally on Capitol Hill


    Governors Missing the Point on Medicaid

    While a governor or legislator may disagree with Medicaid expansion for philosophical reasons, the claims that the expansion will be a burden on states' economies seem misguided given the full range of projected economic impacts on the states, writes Carter C. Price.

    Apr 29, 2013

  • A stethoscope on an American flag


    What Happens Without the Individual Mandate?

    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

  • Multimedia


    What Would Removing the Individual Mandate from the ACA Mean For Costs and Coverage?

    New RAND research finds that eliminating the requirement that all Americans have health insurance would sharply lower the number of people gaining coverage, but would not dramatically increase the cost of buying policies through new insurance exchanges. RAND Economist Christine Eibner discusses the ramifications.

    Feb 16, 2012

  • News Release

    News Release

    Ending Individual Mandate Would Cut Health Coverage, but Not Dramatically Hike Insurance Price

    Eliminating a key part of health care reform that requires all Americans to have health insurance would sharply lower the number of people gaining coverage, but would not dramatically increase the cost of buying policies through new insurance exchanges.

    Feb 16, 2012