Helping Consumers Understand the New Premium Tax Credit
May 15, 2013 | Issue Brief
Consumers Union report explores responses to a new tax credit brochure in an effort to help consumers understand premium tax credits.
Insurance Premiums
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Why the ACA's Limits on Age-Rating Will Not Cause "Rate Shock"
March 4, 2013 | Issue Brief
The impact of a much-discussed Affordable Care Act (ACA) provision that aims to limit variation in the amount of health care premiums charged to older adults compared to younger ones is explored in this brief.
Premium Support in Medicare
March 22, 2012 | Issue Brief
With Medicare spending expected to rise, one proposal would have the federal government pay a fixed contribution to health plans. Critics fear that could result in beneficiaries shouldering more of their health care costs.
Medicare Advantage Plans
June 15, 2011 | Issue Brief
Medicare Advantage plans cover one-fourth of Medicare enrollees, but are slated to decrease over time in the Affordable Care Act to ensure closer parity with traditional Medicare program costs.
Medical Loss Ratios
November 12, 2010 | Issue Brief
Health insurance companies must start to spend a minimum percentage of premiums they collect for the people they insure.
Federally Facilitated Exchanges
January 31, 2013 | Issue Brief
More than a dozen states have chosen to forgo developing their own state-based health insurance exchanges in favor of a federal plan.
Basic Health Program
November 15, 2012 | Issue Brief
The Affordable Care Act provides a third option, the Basic Health Program, for individuals who make too much to qualify for Medicaid and too little to purchase private health insurance through exchanges.
The Effects of Large Premium Increases on Individuals, Families, and Small Businesses
March 1, 2010 | Issue Brief
Report examines the effects on coverage, costs, and small employer decisions to offer insurance under different scenarios for general increases in individual and ESI premiums.
Premium and Cost-Sharing Subsidies Under Health Reform
December 1, 2009 | Issue Brief
The Urban Institute looks at how various health reform bills make the trade-off between government costs and affordability for low- and middle-income families.
Primer on Post-Claims Underwriting
June 12, 2009 | Issue Brief
New brief details the procedure of insurers investigating policyholders' medical history after a policy has been issued.