Download or read book Premium Levels and Trends in Private Health Insurance Plans written by and published by . This book was released on 2010 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: Massachusetts has higher health insurance premiums than the U.S. average, and for at least the past five years premiums have grown at a faster rate. Nationally, there have been at least three major consequences of fast-rising premiums. First, employee contributions to coverage have grown as employers strive to control benefits costs. Second, high premium growth has discouraged job and employment growth, including especially the creation of jobs that offer health benefits. Both trends have contributed to rising rates of uninsured. Finally, employers and individuals have attempted to "buy down" coverage, purchasing insurance products that require greater cost sharing and less rich benefits with the obvious consequence of rising consumer out-of-pocket costs. This report discusses findings related to beneficiary demographics in the Massachusetts commercial markets, and the non-medical expense charges and total premiums paid by those beneficiaries for health insurance. The findings are based primarily on premium, claims, membership, and nonmedical expense data by insurance market segment provided by health insurance carriers writing business in the Commonwealth.
Download or read book Coverage Matters written by Institute of Medicine and published by National Academies Press. This book was released on 2001-10-27 with total page 204 pages. Available in PDF, EPUB and Kindle. Book excerpt: Roughly 40 million Americans have no health insurance, private or public, and the number has grown steadily over the past 25 years. Who are these children, women, and men, and why do they lack coverage for essential health care services? How does the system of insurance coverage in the U.S. operate, and where does it fail? The first of six Institute of Medicine reports that will examine in detail the consequences of having a large uninsured population, Coverage Matters: Insurance and Health Care, explores the myths and realities of who is uninsured, identifies social, economic, and policy factors that contribute to the situation, and describes the likelihood faced by members of various population groups of being uninsured. It serves as a guide to a broad range of issues related to the lack of insurance coverage in America and provides background data of use to policy makers and health services researchers.
Download or read book Care Without Coverage written by Institute of Medicine and published by National Academies Press. This book was released on 2002-06-20 with total page 213 pages. Available in PDF, EPUB and Kindle. Book excerpt: Many Americans believe that people who lack health insurance somehow get the care they really need. Care Without Coverage examines the real consequences for adults who lack health insurance. The study presents findings in the areas of prevention and screening, cancer, chronic illness, hospital-based care, and general health status. The committee looked at the consequences of being uninsured for people suffering from cancer, diabetes, HIV infection and AIDS, heart and kidney disease, mental illness, traumatic injuries, and heart attacks. It focused on the roughly 30 million-one in seven-working-age Americans without health insurance. This group does not include the population over 65 that is covered by Medicare or the nearly 10 million children who are uninsured in this country. The main findings of the report are that working-age Americans without health insurance are more likely to receive too little medical care and receive it too late; be sicker and die sooner; and receive poorer care when they are in the hospital, even for acute situations like a motor vehicle crash.
Download or read book Private Health Insurance written by Michael Gutowski and published by DIANE Publishing. This book was released on 1998-04 with total page 70 pages. Available in PDF, EPUB and Kindle. Book excerpt: Most Americans rely on private health insurance to help pay for medical expenses. During the past decade, private health insurance has undergone fundamental changes in who is covered, how much coverage costs, & the type of coverage Americans receive. This report provides information on major trends in the private health insurance market during the 1980s & 1990s. Specifically, it discusses the decline in private health insurance coverage & factors contributing to this decline, trends in health insurance premiums & reasons for these trends, & employers' efforts to control health benefit costs. Charts & tables.
Download or read book Health Care Utilization as a Proxy in Disability Determination written by National Academies of Sciences, Engineering, and Medicine and published by National Academies Press. This book was released on 2018-04-02 with total page 161 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Social Security Administration (SSA) administers two programs that provide benefits based on disability: the Social Security Disability Insurance (SSDI) program and the Supplemental Security Income (SSI) program. This report analyzes health care utilizations as they relate to impairment severity and SSA's definition of disability. Health Care Utilization as a Proxy in Disability Determination identifies types of utilizations that might be good proxies for "listing-level" severity; that is, what represents an impairment, or combination of impairments, that are severe enough to prevent a person from doing any gainful activity, regardless of age, education, or work experience.
Download or read book Private Health Insurance written by Ross Harold Arnett and published by . This book was released on 1984 with total page 12 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Preparing for a Changing Healthcare Marketplace written by and published by National Academies. This book was released on 1995 with total page 124 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Private Health Insurance written by United States. General Accounting Office and published by . This book was released on 1996 with total page 80 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Controlling the Rate of Growth of Private Health Insurance Premiums written by Murray N. Ross and published by . This book was released on 1993 with total page 60 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Private Health Insurance and Essential Health Benefits written by Cheryl Bennett and published by . This book was released on 2016 with total page 82 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Patient Protection and Affordable Care Act (PPACA), as of 2014, changed how insurers determine health insurance premiums and how consumers shop for individual market health insurance plans. For example, PPACA prohibited insurers from denying coverage or varying premiums based on consumer health status or gender. At the same time, PPACA required health plans to be marketed based on their metal tiers (bronze, silver, gold, and platinum), which helps consumers compare the relative value of each plan; it also required the establishment of health insurance exchanges in each state, through which consumers can compare and select from among participating health plans. This book examines the numbers of health plans available to individuals and how they changed from 2014 to 2015; and the range of health insurance premiums in 2014 and 2015, and how they changed for individuals in each state and county for selected consumers. The book discusses premium and coverage variations of private health insurance and essential health benefits.
Download or read book Premiums in the Individual Health Insurance Market for Policyholders Under Age 65 2002 and 2005 written by Didem Bernard and published by . This book was released on 2008 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: Health insurance coverage that people buy directly from health insurers is referred to as individual (non-group) health insurance. The individual market is the main source of health insurance for Americans who are not eligible for employer-based private health insurance or public health insurance. In 2005, 4.6 percent of the non-elderly population (12.1 million people) was covered by individual health insurance compared with 66.8 percent (174.0 million people) who were covered by employer-based health insurance at some point during the year. Using data from the 2002 and 2005 Household Component of the Medical Expenditure Panel Survey (MEPS-HC), this Statistical Brief examines the changes in premium levels and the population with individual health insurance from 2002 to 2005. The MEPS-HC is representative of the civilian noninstitutionalized population and therefore enables nationally representative estimates of premium levels in the individual insurance market. These estimates represent premiums for individual policies held during the first half of 2002 and 2005. The individual health insurance policies discussed in this Statistical Brief provide coverage for hospital and physician services. All differences between estimates discussed in the text are statistically significant at the 0.05 level unless otherwise stated.
Download or read book The Affordable Care Act written by Tamara Thompson and published by Greenhaven Publishing LLC. This book was released on 2014-12-02 with total page 130 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Patient Protection and Affordable Care Act (ACA) was designed to increase health insurance quality and affordability, lower the uninsured rate by expanding insurance coverage, and reduce the costs of healthcare overall. Along with sweeping change came sweeping criticisms and issues. This book explores the pros and cons of the Affordable Care Act, and explains who benefits from the ACA. Readers will learn how the economy is affected by the ACA, and the impact of the ACA rollout.
Download or read book America s Children written by Institute of Medicine and National Research Council and published by National Academies Press. This book was released on 1998-10-27 with total page 216 pages. Available in PDF, EPUB and Kindle. Book excerpt: America's Children is a comprehensive, easy-to-read analysis of the relationship between health insurance and access to care. The book addresses three broad questions: How is children's health care currently financed? Does insurance equal access to care? How should the nation address the health needs of this vulnerable population? America's Children explores the changing role of Medicaid under managed care; state-initiated and private sector children's insurance programs; specific effects of insurance status on the care children receive; and the impact of chronic medical conditions and special health care needs. It also examines the status of "safety net" health providers, including community health centers, children's hospitals, school-based health centers, and others and reviews the changing patterns of coverage and tax policy options to increase coverage of private-sector, employer-based health insurance. In response to growing public concerns about uninsured children, last year Congress voted to provide $24 billion over five years for new state insurance initiatives. This volume will serve as a primer for concerned federal policymakers and regulators, state agency officials, health plan decisionmakers, health care providers, children's health advocates, and researchers.
Download or read book Voluntary Health Insurance in Europe Country Experience written by Sagan A. and published by World Health Organization. This book was released on 2016-07-20 with total page 163 pages. Available in PDF, EPUB and Kindle. Book excerpt: No two markets for voluntary health insurance (VHI) are identical. All differ in some way because they are heavily shaped by the nature and performance of publicly financed health systems and by the contexts in which they have evolved. This volume contains short structured profiles of markets for VHI in 34 countries in Europe. These are drawn from European Union member states plus Armenia Iceland Georgia Norway the Russian Federation Switzerland and Ukraine. The book is aimed at policy-makers and researchers interested in knowing more about how VHI works in practice in a wide range of contexts. Each profile written by one or more local experts identifies gaps in publicly-financed health coverage describes the role VHI plays outlines the way in which the market for VHI operates summarises public policy towards VHI including major developments over time and highlights national debates and challenges. The book is part of a study on VHI in Europe prepared jointly by the European Observatory on Health Systems and Policies and the WHO Regional Office for Europe. A companion volume provides an analytical overview of VHI markets across the 34 countries.
Download or read book Trends in Employer sponsored Health Insurance Plans that Required No Employee Contribution to the Premium 2005 to 2010 written by and published by . This book was released on 2012 with total page 5 pages. Available in PDF, EPUB and Kindle. Book excerpt: The escalation in health insurance premiums for employer-sponsored plans over the last several years has had an impact on the characteristics of plans offered by employers and chosen by employees. This Statistical Brief discusses changes between 2005 and 2010 in the availability of and enrollment in employer-sponsored health insurance plans that required no employee contribution to the plan premium. The estimates shown in this Brief, which are drawn from the Insurance Component of the Medical Expenditure Panel Survey (MEPS-IC), look at single, employee-plus-one, and family coverage in the private sector of the economy. Changes for employees working for small and large firms are analyzed. All differences between estimates discussed in the text are statistically significant at the 0.05 level.
Download or read book Market Structure of the Health Insurance Industry written by D. Andrew Austin and published by DIANE Publishing. This book was released on 2010-04 with total page 65 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Pooling Health Insurance Risks written by Mark V. Pauly and published by American Enterprise Institute. This book was released on 1999 with total page 120 pages. Available in PDF, EPUB and Kindle. Book excerpt: Uncertainty about risks to health virtually requires that people have health insurance. But how is the cost of premiums determined? Should rates vary according to some indicators of risk? How much do premiums vary with risk? Do the young and the healthy actually subsidize the old and the unhealthy?
