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The U.S. health insurance model frequently costs more and provides less care than systems in other Western nations. RAND's health insurance research began in 1971 with the 15-year Health Insurance Experiment, the only community-based experimental study of how cost-sharing arrangements affect people’s use of health services, their quality of care, and their health status. Subsequent research has continued to inform the U.S. policy debate.

  • Close up of calculator buttons for tax increase or tax decrease with blurred American dollars in the background

    Journal Article

    The Effect of Eliminating the ACA's Individual Mandate

    Jul 12, 2018

    Removing the financial penalties associated with the Affordable Care Act's individual mandate may cause enrollment to fall by 2.8 million to 13 million people. It could also result in a 3 to 13 percent increase in bronze plan premiums.

  • Multimedia

    The RAND Health Insurance Experiment: A Retrospective at 40 Years

    Jan 13, 2017

    In June 2016, RAND hosted a two-day celebration to mark the 40th anniversary of the RAND Health Insurance Experiment (HIE), the largest, most comprehensive, evidence-based health policy study in U.S. history.

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