Americans expect affordable coverage for pre-existing conditions, access to routine services, and for the health care system to protect them from financial risk from accidents or illness. As a product designed primarily for risk protection, insurance may not be the most efficient or affordable approach to achieving these objectives.
Proposals to repeal or replace the federal Affordable Care Act would likely increase the demand for service in the Veterans Affairs medical system, while also increasing the number of veterans who have no insurance coverage at all.
Recent congressional proposals to repeal and replace the Affordable Care Act would increase the number of uninsured nonelderly veterans and further increase demand for VA health care. The effects would vary across states, but the largest impacts would be felt in states that expanded Medicaid.
The American Health Care Act would increase uninsurance among veterans and demand for Department of Veterans Affairs care by a greater margin than simply returning to pre-Affordable Care Act levels of coverage.
Thousands of Houston-area homeowners will face massive, uninsured losses due to flood damage. Few homeowners buy flood insurance unless they are required to, and it's only mandatory for homes with mortgages located in FEMA-defined high-risk flood zones. People tend to ignore low-probability risks.
Employers paid 3.5 times what Medicare would have paid for the same hospital outpatient services in Indiana — and 2.1 times the Medicare rate for inpatient care. Price transparency nationwide could help employers become better-informed purchasers of health care and stronger advocates for their employees.
A survey of U.S. nonelderly adults found that only 13 percent who had spent money out of pocket in their last health care encounter sought information about expected spending before receiving care, and just 3 percent had compared costs across providers before receiving care.
The average American's likelihood of using a nursing home is much greater than previous research has suggested. Among people age 57 to 61, 56 percent will stay in a nursing home at least one night in their lifetime.
Congress will soon discuss options to stabilize the individual market and ensure that all Americans have access to affordable coverage. Policymakers could encourage enrollment, make targeted investments to lower premiums, fund cost-sharing reductions, and enforce the individual mandate.
This analysis of the dependent coverage expansion under the ACA suggests that historical trends rather than the insurance expansion ittself account for increases in substance use among people ages 19-25 since 2010.
While the ACA's Dependent Coverage Expansion has increased insurance coverage, it has also widened race/ethnic disparities because it benefits only those young adults whose parents have private coverage.
Paying for health care coverage is a challenge for Americans facing rising premiums, deductibles, and copayments. The ACA's tax credits that make marketplace insurance more affordable for lower-income individuals should be extended to middle-income adults aged 50–64.
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.
The Official Disability Guidelines (ODG) Medical Treatment Guidelines is a utilization review guideline used in the field of workers' compensation. This report evaluates the ODG's technical quality and clinical acceptability.
This report estimates the potential impacts of a California Workers' Compensation formulary in terms of changes in prescription drug use and spending and discusses the potential broader impacts of these changes on the California economy.