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Commentary
Key Questions to Ask in Designing a Pandemic Risk Insurance Program
Congress is considering establishing an insurance program that would make business interruption coverage for pandemics less expensive and more widely available. We have identified several key questions that policymakers could consider when designing a pandemic risk insurance program.
Jul 27, 2020
Multimedia
Was Unemployment Insurance Designed to Exclude Black Workers?
RAND economist Kathryn Edwards discusses whether the exclusion of Black workers in the design of the unemployment insurance program was incidental or intentional.
Dec 21, 2020

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Commentary
Workers' Compensation and COVID-19
As the pandemic continues, states vary on whether or how to allow workers to seek compensation for a COVID-19 diagnosis. It's too early to know the full costs, effects, and efficacy of these efforts, but now is a good time for policymakers to consider all the arguments for and against coverage.
Jan 11, 2022
Report
Improving the Availability and Affordability of Pandemic Risk Insurance: Projected Performance of Proposed Programs
This report evaluates and models proposals for an insurance-based program to provide businesses with resources to maintain payroll and benefits and cover ongoing operating expenses during a pandemic.
Jun 15, 2021
Journal Article
Medicare Secondary Payer and Settlement Delay
The Medicare Secondary Payer Act of 1980 and its subsequent amendments led to a delay in the resolution of disputes involving auto accidents of about six months.
Dec 11, 2020
Report
Evaluation of California Senate Bill 863 Medical Care Reforms
This report uses data from the California Worker's Compensation Information System and interactions with subject-matter experts to evaluate the impact of Senate Bill 863 on medical care utilization and spending for injured workers in California.
Sep 28, 2020
Commentary
Tapping Business Interruption Insurance Coverage to Assist Small Business During the Pandemic
Legislation has been introduced in several states that would require insurers to cover business interruption losses due to the COVID-19 outbreak. What are the advantages and disadvantages of such a law? If policymakers were to proceed with such an approach, then what design considerations should they keep in mind?
Apr 10, 2020
Journal Article
Possible Legal Barriers for PCP Access to Mental Health Treatment Records
Over one-third of states appear to have more stringent medical privacy laws than HIPAA (federal), which could hinder primary care and mental health providers' efforts to share information and integrate care.
Jul 19, 2017
Dissertation
Exploring Single-Payer Alternatives for Health Care Reform
Explores single-payer proposals and estimates health care spending under single-payer alternatives in the United States.
Jul 25, 2016
News Release
Making It More Difficult to Sue Physicians for Malpractice May Not Reduce 'Defensive Medicine'
Malpractice reform has been advocated by many experts as a key to reining in health care costs. Three states raised the standard for malpractice in the emergency room to gross negligence, but that did not translate into less-expensive care.
Oct 15, 2014
Report
The Future of the Terrorism Risk Insurance Act
Recounts the proceedings of a conference to discuss recent RAND research on issues related to the potential reauthorization of the Terrorism Risk Insurance Act, as well as the varying implications of TRIA's expiration, modification, and extension.
Sep 2, 2014
Periodical
RAND Review: Vol. 38, No. 2, Summer 2014
The cover story discusses the rising wave of cybercrime and possible responses to it, while other features highlight research on medical innovation and U.S. security cooperation, plus public policy insights from Victor Hugo.
Aug 7, 2014
Blog
Summer Reading for Congress
No matter how policymakers spend their break—meeting with home-state constituents, traveling abroad with congressional delegations, or spending time with family—this summer reading list contains policy ideas that can help them hit the ground running when they return.
Jul 31, 2014
Blog
RAND Research Influences Debate on Terrorism Insurance
To inform the debate on whether the Terrorism Risk Insurance Act (TRIA) should be continued or allowed to expire, RAND prepared policy briefs on three topics of central concern to policymakers: national security perspectives, the impact on federal spending, and the impact on workers' compensation markets.
Jun 19, 2014
Commentary
3 Terrorism Risk Insurance Act Facts for Congress to Consider
With the Terrorism Risk Insurance Act set to expire this year, Congress is currently revisiting a crucial question: What is the appropriate government role in terrorism insurance markets? As the debate unfolds on Capitol Hill, policymakers should consider three key research findings.
Jun 12, 2014
Multimedia
The Future of the Terrorism Risk Insurance Act: Expiration, Reauthorization, Modification
In this June 2014 Congressional Briefing, RAND experts presented findings from their recent work on the Terrorism Risk Insurance Act (TRIA) and discuss the different outcomes if TRIA were to be reauthorized, modified, or allowed to expire.
Jun 11, 2014
Report
Allowing Terrorism Risk Insurance Act to Expire Would Negatively Impact Workers' Compensation Insurance Markets
Without TRIA in place, employers perceived to be at high risk for terrorism might have to obtain workers' compensation coverage in markets of last resort, known as residual markets, which could charge higher premiums.
May 7, 2014
News Release
Extending Terrorism Insurance Program Could Save Federal Government Money After Future Attacks
The Terrorism Risk Insurance Act will expire soon and Congress is considering the appropriate government role in terrorism insurance markets. In a terrorist attack with losses up to $50 billion, the federal government would spend more helping to cover losses than if it had continued to support a national terrorism risk insurance program.
Apr 10, 2014
Report
Extending Terrorism Insurance Program Could Save Federal Government Money After Future Attacks
The Terrorism Risk Insurance Act will expire at the end of this year and Congress is considering the appropriate government role in terrorism insurance markets. In a terrorist attack with losses up to $50 billion, the federal government would spend more helping to cover losses than if it had continued to support a national terrorism risk insurance program.
Apr 9, 2014
News Release
Expiration of Terrorism Risk Insurance Act Could Hurt National Security
The current terrorism risk insurance act will expire in 2014 and Congress again is considering the appropriate government role in terrorism insurance markets.
Mar 6, 2014

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RAND Topic:
Insurance Legislation

Topic Synonyms:
Insurance Law