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May 1, 2012 | Journal Article
Enrollment is increasing in consumer-directed health insurance plans, which feature high deductibles and a personal health care savings account.
October 1, 2011 | Journal Article
An expert panel expressed divergent opinions about what constitutes affordability of health insurance premiums under the ACA.
September 8, 2011 | Journal Article
The long-term trend of consolidation among U.S. health plans has raised providers' concerns that the concentration of health plan markets can depress their prices.
November 1, 2010 | Journal Article
High copayments for medical services can cause patients to underuse essential therapies.
September 1, 2010 | Journal Article
An examination of the legal issues surrounding the taxation of employees? premiums for individual health insurance found that state and federal law are unclear as to ?cafeteria plans?? legality, and that implementation of health reform in 2014 will only partially resolve the confusion.
September 1, 2009 | Journal Article
Risk appraisals might influence employees' health behavior, but they're not the entire answer. In this paper the authors explore the potential role of health risk appraisals as a tool for managing health care quality and costs in employer-sponsored insurance.
August 1, 2008 | Journal Article
In examining health care utilization, consumer-driven health plans (CDHPs) appeared to exert most of their influence in the first year with CDHP enrollees making fewer office visits than did PPO (preferred provider organization) enrollees.
February 1, 2011 | Journal Article
High-deductible health plans—typically with deductibles of at least $1,000 per individual and $2,000 per family—require greater enrollee cost sharing than traditional plans.
January 18, 2012 | Journal Article
When families are insured by high-deductible health plans (HDHP), they are more likely than families with traditional plans to put off care, or skip it altogether.This pattern was three to times greater in high-deductible plan families than in those with traditional plans, according to this first-of-its-kind, Massachusetts-based study.
June 1, 2009 | Journal Article
This article describes underlying problems in the markets for small group and individual insurance appraises current methods of subsidizing insurance for high-risk individuals and discusses how risk adjustment addresses conflicts between the group and individual insurance markets.