Insurance Legislation

  • A house burns as firefighters battle a fast-moving wildfire that destroyed homes driven by strong wind and high temperatures forcing thousands of residents to evacuate in Goleta, California, July 7, 2018

    Journal Article

    How Wildfire Risks Impact California's Homeowners Insurance Market

    Wildfire poses considerable risk to Californians, and the associated increases in home insurance prices can cause financial hardship for families. It's critical to understand how the insurance market is performing with regard to wildfire risk and how climate change may affect this performance.

    Sep 5, 2018

  • 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

  • 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

  • A sheriff walks toward the cyber horizon.

    Periodical

    RAND Review Takes Measure of Cybercrime, Medical Innovation, U.S. Security Cooperation

    Stories in RAND's flagship magazine discuss the duel between cybercrime and the law, the gamble of medical innovation, and the fruits of U.S. security cooperation.

    Aug 7, 2014

  • Astronomical observatory

    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

  • U.S. Capitol building with summer flowers

    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

  • A man passes by the skyline of New York's Lower Manhattan and One World Trade Center as he walks through Liberty State Park in Jersey City, NJ

    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

  • The Tribute in Light is illuminated on the skyline of New York's Lower Manhattan as people look across the Hudson River in Jersey City, September 11, 2013

    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

  • Person filling out a work injury claims form

    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

  • New York City firefighters pour water on the wreckage of 7 World Trade Center in Sept. 2001

    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

  • A group of firefighters walk amid rubble near the base of the destroyed World Trade Center in New York on September 11, 2001

    Report

    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. If the act expires and the take-up rate for terrorism insurance falls, then the U.S. would be less resilient to future terrorist attacks.

    Mar 6, 2014

  • men walk through flooding left by the storm surge of Superstorm Sandy in the New Dorp Beach neighborhood of Staten Island

    Commentary

    A Year After Sandy, a New Threat to New York City

    As residents continue to recover from Superstorm Sandy, they are about to confront dramatic changes in the flood insurance landscape. Changes to federal floodplain maps will mean thousands of New Yorkers will suddenly be living in areas designated as high-risk flood, which will send their insurance rates soaring.

    Nov 5, 2013

  • A Staten Island, N.Y. house destroyed by Hurricane Sandy

    Report

    Rising Cost of Flood Insurance Will Create Serious Challenges for New York City

    Some New York City residents may soon face sharp increases in their flood insurance premiums as a result of major changes occurring in the National Flood Insurance Program and the redrawing of flood maps that expand the areas at risk. Property owners in areas now deemed at highest risk may face increases of $5,000 to $10,000 annually.

    Oct 25, 2013

  • Pedestrians walk past a submerged taxi in Brooklyn, New York, during Hurricane Sandy last year.

    Research Brief

    The Rising Cost of Flood Insurance in New York City

    Even as many in New York City struggle to rebuild after Hurricane Sandy, changes in the flood insurance market are increasing premiums for those living near the coast.

    Oct 25, 2013

  • train track switch

    Research Brief

    Robust Decision Making Aids Planning Under Deep Uncertainty

    Quantitative analysis is often indispensable to sound planning, but with deep uncertainty, predictions can lead decisionmakers astray. Robust Decision Making supports good decisions without predictions by testing plans against many futures.

    Feb 28, 2013

  • money changing hands

    Journal Article

    Wellness Program Incentives: Can We Legally Pay People for Being Good?

    Incentives to participate in wellness programs or reach health-related targets are popular, but could expose employers and insurers to litigation risk because incentives might violate state and federal insurance, anti-discrimination, or privacy laws.

    Nov 1, 2012

  • Journal Article

    Do Small-Group Health Insurance Regulations Influence Small Business Size?

    State small-group health insurance reforms, implemented in the 1990s, aimed at controlling the variability of health insurance premiums and to improve access to health insurance. These reforms only affected firms within a specific size range, and as a result, they may have affected the size of small firms around the legislative threshold and may also have affected the propensity of small firms to offer health insurance.

    Mar 1, 2012

  • Report

    Collecting on Low-Value Claims Would Provide Medicare with Little Revenue and Substantial Reporting Costs

    Effective January 1, 2012, Medicare will require insurers and self-insured companies to report settlements, awards, and judgments over $5K that involve a Medicare beneficiary. Over three years the $5K threshold will be phased out and all claims will have to be reported—but the potential revenue recovered from low-value claims may not be worth the reporting costs.

    Jun 21, 2011

  • Research Brief

    Call for Reform in the Residential Insurance Market after Hurricane Katrina

    In light of what occurred after Katrina and the other 2004-2005 hurricanes, the authors propose goals for an effective Gulf Coast residential insurance market and highlight policy reforms that warrant consideration for achieving those goals.

    Oct 8, 2010