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Report

Private Health Insurance Exchanges: Early Evidence and Implications for the Future

May 9, 2016

To date, enrollment in the private health insurance exchanges is low, and there is not enough evidence to determine whether they will become prominent in the insurance market and how they will affect employers and their employees.
Report

How Do Consumers Make Choices in ACA Marketplaces?

Jun 28, 2016

Consumers have access to compare a variety of health insurance plans before selecting the one that best suits their needs. But the task can be complicated by difficulty understanding health insurance jargon, poor numeracy, inadequate decision-support tools, and too many choices.

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News Release

News Release

Opening Medicare to Americans Aged 50 to 64 Would Cut Their Insurance Costs, but Drive Up Insurance Prices for Younger ...

Opening Medicare to Americans aged 50 to 64 would lower health care premiums for the group, but also drive up costs for younger people who buy health insurance on exchanges created under the federal Affordable Care Act.

Nov 18, 2019
Report

Medicare for 50-to-64-Year-Olds

Allowing Americans aged 50 to 64 to buy into Medicare would lower health care premiums for the group. But it would also drive up costs for younger people who buy health insurance on Affordable Care Act exchanges.

Nov 17, 2019
Blog

RAND's Summer Reading List for Congress

For busy staff, August's respite from back-to-back meetings, hearing preparation, and late votes is hard-earned. The summer recess also provides an opportunity to get ahead of issues that will resurface in the fall. To that end, we have compiled recent RAND research on topics likely to top the congressional agenda come September.

Aug 5, 2019
Commentary

Addressing Surprise Medical Bills Without Raising the Cost of Health Care

Patients who try to stay within their insurers' networks can be hit with surprise bills when they unknowingly receive care from out-of-network physicians. How much should a physician be paid for providing a service that is critical but rendered without the patient's ready ability to choose an in-network provider?

Apr 1, 2019
Journal Article

Expanding Enrollment Without the Individual Mandate: Options to Bring More People Into the Individual Market

The options analyzed would increase individual market enrollment by 400,000 to 3.2 million in 2020. Net increases in total enrollment (300,000 to 2.4 million) are smaller because of offsetting decreases in employer-sponsored insurance.

Dec 27, 2018
Report

Impacts of Eliminating the Individual Mandate Penalty in New York

In 2019, the ACA's individual mandate penalty will be eliminated. How will this affect New York's nongroup insurance market? It could result in an estimated 23 to 25 percent increase in premiums and a 37 percent reduction in enrollment.

Sep 20, 2018
Journal Article

Journal Article

What Is the Impact on Enrollment and Premiums If the Duration of Short-Term Health Insurance Plans Is Increased?

Extending the duration of short-term individual health plans will have little effect on premiums or enrollment in the individual market.

Jun 14, 2018
Journal Article

Journal Article

Early Impact of the Affordable Care Act Coverage Expansion on Safety-Net Hospital Inpatient Payer Mix and Market Shares

Following Medicaid expansion, non safety-net hospitals experienced a greater percentage increase in Medicaid stays than did safety-net hospitals, which may reflect patient choice or a crowd-out of private insurance.

Feb 14, 2018
Report

The Effects of Iowa's Proposed Stopgap Measure on Health Insurance Costs and Coverage

This report uses RAND's COMPARE microsimulation model to estimate the effects of a 1332 waiver application from the state of Iowa. The waiver is designed to stabilize Iowa's Affordable Care Act individual market through a series of modifications.

Oct 17, 2017
Journal Article

Journal Article

Americans Support Price Shopping For Health Care, But Few Actually Seek Out Price Information

A survey of U.S. nonelderly adults found that only 13 percent who had spent money out of pocket in their last health care encounter sought information about expected spending before receiving care, and just 3 percent had compared costs across providers before receiving care.

Sep 6, 2017
Commentary

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
Multimedia

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
Commentary

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
Commentary

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

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
Journal Article

Journal Article

Donald Trump's Health Care Reform Proposals: Anticipated Effects on Insurance Coverage, Out-of-Pocket Costs, and the Federal Deficit

The Trump health care proposal would decrease the number of insured and increase consumer health spending among those with marketplace insurance relative to current law. The policies would also increase the federal deficit by varying amounts.

Nov 4, 2016
Journal Article

Journal Article

Hillary Clinton's Health Care Reform Proposals: Anticipated Effects on Insurance Coverage, Out-of-Pocket Costs, and the Federal Deficit

The Clinton health care proposal would increase the number of insured individuals and decrease consumers' health spending relative to current law. However, the policies with the largest coverage gains also increase the federal deficit the most.

Nov 4, 2016
Q&A

Estimating the Impacts of the Trump and Clinton Health Plans

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
Report

Assessing the Role of State and Local Public Health in Outreach and Enrollment for Expanded Coverage: A Case Study on Houston, Texas

Part of a series highlighting innovative models and best practices for local health departments' involvement in Patient Protection and Affordable Care Act outreach and enrollment, this brief reports on a case study on Houston, Texas.

Jul 8, 2016
Report

Assessing the Role of State and Local Public Health in Outreach and Enrollment for Expanded Coverage: A Case Study on Boston and Massachusetts

Part of a series highlighting innovative models and best practices for local health departments' involvement in Patient Protection and Affordable Care Act outreach and enrollment, this report describes a case study on Boston and Massachusetts.

Jul 8, 2016
Report

Assessing the Role of State and Local Public Health in Outreach and Enrollment for Expanded Coverage: A Case Study on Eagle, Garfield, and Pitkin Counties, Colorado

Part of a series highlighting innovative models and best practices for local health departments' involvement in Patient Protection and Affordable Care Act outreach and enrollment, this report is a case study on three Colorado counties.

Jul 8, 2016

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