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- Cost of Health Insurance vs. Education
- Inflation is clipping at a modest 2.8%; wage growth is slightly lower. But the two things politicians love to talk about -- health insurance and college education -- they're booming! Today we'll see which will win in the figurative boxing ring of rising costs: health or education? To get the...
- Blog posts 2007-09-13
- The Weight's Over: Should Fat People Pay More for Health Insurance?
- In a previous blog, we questioned whether or not employers should encourage healthy lifestyles to increase productivity. If discounted gym memberships and healthy vending machine alternatives -- no doubt, placed next to Snickers bars -- don't do the trick, new regulations may. Companies can now charge unhealthy overweight...
- Blog posts 2007-09-13
- Employment and Adverse Selection in Health Insurance
- The authors' construct and test a new model of employer-provided health insurance provision in the presence of adverse selection in the health insurance market. In their model, employers cannot observe the health of their employees, but can decide whether to offer insurance. Employees sort themselves among employers who do and...
- White papers 2006-08-01
- Moral Hazard, Adverse Selection and Health Expenditures: A Semiparametric Analysis
- Theoretical models predict asymmetric information in health insurance markets may generate inefficient outcomes due to adverse selection and moral hazard. However, previous empirical research has found it difficult to disentangle adverse selection from moral hazard in health care. The authors empirically study this question by using data from the Health...
- White papers 2006-08-01
- The Effect of State Community Rating Regulations on Premiums and Coverage in the Individual Health Insurance Market
- Some states have implemented community rating regulations to limit the extent to which premiums in the individual health insurance market can vary with a person's health status. Community rating and guaranteed issues laws were passed with hopes of increasing access to affordable insurance for people with high-risk health conditions, but...
- White papers 2006-08-01
- Health Insurance Enrollment Decisions: Preferences for Coverage, Worker Sorting, and Insurance Take Up
- The weak response by the uninsured to policy initiatives encouraging voluntary enrollment in health insurance has raised concerns regarding the extent to which the uninsured value health insurance. To address this issue, data is used from the 2001 Medical Expenditure Panel Survey to examine the association between health insurance preferences...
- White papers 2006-08-01
- Love or Money?: Health Insurance and Retirement Among Married Couples
- This paper examines the role of employer provided health insurance in the retirement decisions of dual working couples. The near elderly have high-expected medical expenditures; therefore, availability of health insurance is an important factor in their retirement decisions. It is determined if access to retiree health insurance for early retirement...
- White papers 2006-05-01
- The Effects of Health on Health Insurance Status in Fragile Families
- This paper use data from the Fragile Families and Child Wellbeing study to estimate the effects of poor infant health, pre-pregnancy health conditions of the mother, and the father's health status on health insurance status of urban, mostly unmarried, mothers and their one-year-old children. Virtually all births were covered by...
- White papers 2006-04-01
- Whence and Whither Health Insurance? A Revisionist History
- Throughout the postwar era in federal health policy, policymakers have sought to expand both public and private insurance coverage, while wrestling with the cost consequences of the demand generated by the insurance-financing mechanisms thus created. This report advances the view that the limits to insurance expansion have been reached and...
- White papers 2005-12-01
- Health Insurance in Mexico: Achieving Universal Coverage Through Structural Reform
- Fairness in finance is an intrinsic and challenging goal of health systems. Mexico devised a structural reform that responds to this challenge. Through a new system of social protection in health that will offer public insurance to all citizens, the reform is expected to reduce catastrophic and out-of-pocket spending while...
- White papers 2005-12-01
- The Cost of Health Insurance Administration in California: Estimates for Insurers, Physicians, and Hospitals
- Administrative costs account for 25 percent of health care spending, but little is known about the portion attributable to Billing and Insurance-Related BIR functions. This paper estimates BIR for hospital and physician care in California. Data for physician practices came from a mail survey and interviews; for hospitals, from regulatory...
- White papers 2005-12-01
- Legal Status and Health Insurance Among Immigrants
- The foreign-born represent a disproportionate share of nonelderly U.S. adults without health insurance. Using data from Los Angeles County, this report finds that most of the insurance disparities between the foreign-born and native-born can be explained by traditional socioeconomic factors. Undocumented immigrants, however, have lower rates of coverage, both private...
- White papers 2005-12-01
- Severe Medical Conditions and Loss of Health Insurance Coverage: Evidence From the Health and Retirement Study
- Illness increases individuals' demand for health insurance, but may also place them at risk of losing coverage. While public insurance and price restrictions in private markets aim to reduce this risk, little is known about whether severe medical conditions affect the likelihood of losing coverage. This issue is explored in...
- White papers 2005-11-12
- Development of a Health Care Policy Characterisation Model Based on Use of Private Health Insurance
- The aim of this study was to develop a policy characterization process based on measuring shifts in use of Private Health Insurance PHI immediately following implementation of changes in federal health care policy. The report uses population-based hospital morbidity data from 1980 to 2001 to produce trend lines in the...
- White papers 2005-11-08
- Sources of Health Insurance and Characteristics of the Uninsured: Analysis of the March 2005 Current Population Survey
- This paper provides historic data through 2004 on the number and percentage of nonelderly individuals with and without health insurance. Based on Employee Benefit Research Institute EBRI estimates from the U.S. Census Bureau's March 2005 Current Population Survey CPS, it reflects 2004 data. It also discusses trends in coverage for...
- White papers 2005-11-01
- Drug Discount Peddlers
- By gathering and automating huge amounts of pharmacy pricing data and making it widely known, Pharmacy Benefit Managers PBMs have certainly exerted a strong downward pressure on retail drug costs. And they have helped employer drug programs fit nicely into managed-care plans, bringing the co-payment features typical of health maintenance...
- White papers 2005-10-28
- Defense Health Care: Health Insurance Stipend Program Expected to Cost More Than TRICARE But Could Improve Continuity of Care for Dependents of Activated Reserve Component Members
- The paper depicts that dependents of reserve component members who had dropped their private health insurance reported problems accessing the TRICARE system - such as difficulty finding a health care provider, establishing eligibility, understanding TRICARE benefits, and knowing where to go when questions and problems arise. To address these concerns,...
- White papers 2005-10-19
- Private Health Insurance: Number and Market Share of Carriers in the Small Group Health Insurance Market in 2004
- As a follow-up to our 2002 report on the competitiveness of the small group health insurance market, this document consist of a report that provides an updated information on each state and the District of Columbia. Specifically, the report identifies, for each state, the number of carriers licensed in the...
- White papers 2005-10-13
- Health Insurance Costs Slow, But Still Top Inflation and Wage Increases
- Health insurance costs climbed 9.2 percent between the spring of 2004 and the spring of 2005, their lowest rate of increase in five years but still far ahead of rises in inflation (3.5 percent) and workers' pay (2.7 percent), according to data compiled by the Kaiser Family Foundation. The foundation's...
- White papers 2005-10-01
- Can Insurance Increase Financial Risk? The Curious Case of Health Insurance in China
- The most basic argument for insurance is that it reduces financial risk. The paper analyzes the effect of insurance on the probability of an individual incurring "high" annual health expenses using data from three household surveys-one a cross-section survey, the other two panel surveys. The results suggest that China's government...
- White papers 2005-10-01
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