Health Insurance

Featured

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.

  • Woman paying at a medical reception desk

    Commentary

    Ingredients for Health Care Reform

    Jul 10, 2017

    Despite their differences, the Affordable Care Act and the current proposals to replace it take a similar approach to providing health insurance. What might some alternatives look like? And how could they provide coverage to more Americans?

  • 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.

Explore Health Insurance

  • Susan Dentzer, Leonard Schaeffer, Sue Siegel, David Goldhill, and Bob Kocher at RAND's Politics Aside 2014

    Blog

    Innovations in Health Care: New Treatments, Changing Systems

    From the Affordable Care Act and new advances in medical technology to the impact of the aging population, panelists at RAND's Politics Aside discussed a wide-range of topics affecting America's health care system today and into the future.

    Nov 18, 2014

  • Doctor with a clipboard and patients in a waiting room

    Commentary

    The ACA's Tax Credits Keep Premiums Low for Everyone

    The ACA's tax credits currently contain several properties that stabilize premiums while providing assistance to low- and moderate-income people. As policymakers contemplate modifications to the ACA that would affect the tax credits, it will be important to consider not only how they affect those who are eligible, but also how they affect premiums for everyone else.

    Nov 10, 2014

  • Doctor and patient shaking hands

    Commentary

    A Case for Exchange-Based, Long-Term Health Insurance Policies

    Multi-year health plans have the potential to finally align the interests of health plan enrollees and insurers by reaping long-term benefits of patient health management.

    Nov 10, 2014

  • News Release

    Biosimilar Medications Could Create Billions in Health Care Savings

    Introducing competing “biosimilar” versions of complex biologic drugs used to treat illnesses such as cancer and rheumatoid arthritis could cut spending on biologics in the United States by $44 billion over the next decade.

    Nov 3, 2014

  • Blue and green pills and tablets

    Report

    Biosimilar Medications Could Create Billions in Health Care Savings

    Introducing competing “biosimilar” versions of complex biologic drugs used to treat illnesses such as cancer and rheumatoid arthritis could cut spending on biologics in the United States by $44 billion over the next decade.

    Nov 3, 2014

  • 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

  • Close up of young woman using laptop

    Research Brief

    Young Adult Enrollment and the Affordable Care Act

    Reduced young-adult enrollment in the individual health insurance market created under the Affordable Care Act would lead to modest premium increases; however, eliminating tax credits would substantially increase premiums and reduce enrollment.

    Oct 21, 2014

  • Mother and son at a medical reception desk

    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

  • A man looks over the ACA signup page on HealthCare.gov, October 2, 2013

    Commentary

    Happy Birthday, Healthcare.Gov

    This month marks the one-year anniversary of the health insurance Marketplaces—the online exchanges for buying and selling insurance created by the Affordable Care Act. Last year, after a near-disastrous start that included massive website failures, the Marketplaces rebounded to a surprising success.

    Oct 16, 2014

  • Hospital sign in front of hospital building

    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

  • News Release

    Federal Drug Discount Program Faces Challenges as It Expands Under Health Reform

    A federal program that provides billions in drug discounts to safety net hospitals and other health care providers is expanding under health care reform, but divergent views on the purpose and future scope of the program create uncertainty for safety net providers and drug manufacturers.

    Aug 12, 2014

  • A pregnant woman in an exam room with a gynecologist and nurse

    Commentary

    RAND Helps to Develop From Coverage to Care, a New CMS Initiative

    Health coverage is a means to an end: the aim is to help more Americans use their coverage to access routine primary care and preventive services. For many of the newly insured, however, the leap between obtaining insurance and establishing a regular source of care is substantial.

    Jul 29, 2014

  • Doctor talking to her male patient in her office

    Commentary

    The ACA's Opportunity to Improve Care for Substance Use Disorders

    The Affordable Care Act (ACA) will significantly increase coverage for the publicly funded treatment of substance use disorders. But in order to maximize the benefit to patients, families, and society, it's critical to invest in the development, validation, and use of performance measures.

    Jul 28, 2014

  • A prescription bottle labeled Affordable Care Act and prescription pad

    Report

    Federal Drug Discount Program Faces Challenges as It Expands Under Health Reform

    A federal program that provides billions in drug discounts to safety net hospitals and other health care providers is expanding under health care reform, but divergent views on the purpose and future scope of the program create uncertainty for safety net providers and drug manufacturers.

    Jul 21, 2014

  • insurance, umbrella, business, insurance agent, red, protection, man, businessman, shielding, concepts, safety, ideas, people, one person, isolated, hiding, green, blue, standing, rear view, covering, suit, below, holding, success, occupation, planning, security, rain, business person, risk, business concepts, business people, parasol, finance, weather, financial occupation, assistance, head, adequate, ample, enough, covered, insured, over, protected, safe, backup plan, spare, safety net, failsafe, confidence, confident, smug, three objects, white background, colour, photography, horizontal

    Research Brief

    Will Heath Care Reform Affect Disability Insurance Claiming?

    By enabling access to affordable private health insurance and expanding access to subsidized public health insurance, the Affordable Care Act alters the calculus of disability claiming decisions. Research offers empirical evidence that, on net, disability applications are likely to decrease.

    Jul 10, 2014

  • Healthy food on an office desk

    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

  • Infographic

    A Bitter Pill: Soaring Health Care Spending and the American Family

    Health care costs nearly doubled between 1999 and 2009, which left the average 2009 family with only $95 more per month than in 1999. If costs had matched the consumer price index's rise, the average family would have an additional $450 per month.

    May 23, 2014

  • People cross a city street on their way to work

    Research Brief

    Effects of Employer Health Insurance on Disability Insurance Claiming

    National health reform makes it easier for disabled workers to stop working and apply for disability insurance. This study finds that some disabled workers continue working to keep their health insurance but disability applications do not increase.

    May 22, 2014

  • Arkansas state quarter

    Infographic

    Infographic: How Arkansas May Fare Under the Affordable Care Act

    This infographic presents findings from a RAND analysis of the economic and other effects of the Affordable Care Act on the state of Arkansas.

    May 21, 2014

  • Social secruity card

    Journal Article

    Disability Insurance and Health Insurance Reform: Evidence from Massachusetts

    We study the 2006 Massachusetts health insurance reform to estimate the potential effects of the ACA on SSDI and SSI applications.

    May 1, 2014