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Research Brief

How Would a Public Option on Health Insurance Affect Costs and Coverage?

May 28, 2020

Interest in a government-sponsored health insurance plan with publicly determined provider rates is growing. An analysis of four such public option plans finds that lower provider payment rates would lower premiums. But the effect on enrollees also depends on tax credits. And changes to the number of uninsured would be small.
Report

Medicare for 50-to-64-Year-Olds

Nov 18, 2019

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.

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News Release

Republicans May Be Less Likely to Make Use of Federal Subsidies When Buying Individual Health Insurance Policies

Republicans who buy individual health plans may be less likely to shop through marketplaces created under the federal Affordable Care Act, leading them to forgo subsidies provided by the federal government.

Sep 8, 2021
Report

Summary of the Current Status of Health Insurance Enrollment in Connecticut

To help the state of Connecticut better understand current health insurance enrollment to support improvements to affordability, access, and equity, the authors estimate the distributions of health insurance enrollment by age, gender, race, and ethnicity in detailed insurance categories.

Aug 13, 2021
Commentary

How Insurance Marketplace Regulators Can Help Consumers Enroll in Better Coverage

The Affordable Care Act simplified shopping for health care by creating the individual health insurance marketplaces where plans are categorized into labeled tiers. Consumers rely on these labels when comparing plans. But the labels don't tell consumers everything they need to know.

Aug 2, 2021
Research Brief

Reducing Hospital Spending: Three Policy Options

RAND researchers have estimated the effects of policy options to reduce hospital prices paid by private health plans, outlining design choices and effectiveness levels for each approach.

Apr 21, 2021
News Release

Setting Hospital Prices Can Achieve Greater Savings Than Increasing Competition or Price Transparency

Among strategies to curb hospital prices among the commercially insured population in the United States, direct price regulations such as setting rates are likely to achieve greater savings than other approaches like increasing competition or improving price transparency.

Feb 18, 2021
Report

Setting U.S. Hospital Prices Could Cut Overall Health Spending by Billions

Price regulations face political obstacles and have been strongly opposed by medical providers. But setting prices for all commercial health care payers could reduce hospital spending by $61.9 billion to $236.6 billion a year if the rates were set at 100 to 150 percent of the amounts paid by Medicare.

Feb 18, 2021
Journal Article

Low Rates of Pediatric Dental Coverage for Families Purchasing Marketplace Insurance Plans

Pediatric dental care is an essential health benefit that the Affordable Care Act requires most private health plans to cover. It is unknown how these different pediatric dental coverage offerings may affect uptake of coverage.

Feb 12, 2021
Journal Article

Disentangling Moral Hazard and Adverse Selection in Private Health Insurance

This study disentangled the effects of moral hazard from health plan selection. Our estimates imply that 53% of the additional medical spending observed in the most generous plan in our data relative to the least generous is due to adverse selection.

Sep 24, 2020
News Release

Public Option Could Lower Health Insurance Premiums, but Would Not Substantially Raise Number of Insured

Offering a government-sponsored health plan with publicly determined payment rates to people who buy their own insurance could lower the cost of premiums, but on its own it is unlikely to substantially increase the overall number of people with coverage.

May 28, 2020
Commentary

Options for Designing a Public Option

State and federal policymakers are considering adding state-backed public options to the individual market in an effort to expand health coverage and improve affordability. We analyzed what would happen if public options became available in U.S. health insurance exchanges.

May 28, 2020
Report

Public Options for Individual Health Insurance: Assessing the Effects of Four Public Option Alternatives

There is growing interest in a "public option" for individual market insurance to improve affordability and enrollment. The authors estimate how adding a federal public option could affect enrollment, premiums, and government spending.

May 28, 2020
News Release

Limiting Out-of-Network Payments to Hospitals Could Produce Cost Savings Similar to Single-Payer Options

Placing limits on what hospitals can collect for out-of-network care could yield savings similar to more-sweeping proposals such as Medicare for All or setting global health spending caps. Because such an approach has the possibility to sharply cut hospital revenues, any cap would need to be set carefully as to not overly disrupt hospital operations.

Mar 12, 2020
Report

The Effects of Limiting Payments to Hospitals for Out-of-Network Care

There is growing interest among U.S. policymakers to use out-of-network payment limits to curb surprise medical bills and as a tool to control rising health care costs. How might such limits affect negotiated in-network prices and total payments for hospital care?

Mar 12, 2020
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
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
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

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

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