Medical Insurance

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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.

  • A patient sitting on an MRI machine talking to a medical professional, photo by laflor/Getty Images

    Report

    Medicare for 50-to-64-Year-Olds

    Nov 17, 2019

    Allowing Americans aged 50 to 64 to buy into Medicare would lower health care premiums for the group. But it would also drive up costs for younger people who buy health insurance on Affordable Care Act exchanges.

  • A health insurance application on a tablet, photo by grinvalds/Getty Images

    Research Brief

    How Would a Public Option on Health Insurance Affect Costs and Coverage?

    May 28, 2020

    Interest in a government-sponsored health insurance plan with publicly determined provider rates is growing. An analysis of four such public option plans finds that lower provider payment rates would lower premiums. But the effect on enrollees also depends on tax credits. And changes to the number of uninsured would be small.

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