State-Level Trends in Employer-Sponsored Health Insurance
April 11, 2013 | Report
Health insurance coverage through employers declined significantly from 2000 to 2011, likely due to costs.
Insurance Premiums
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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.
Low Costs of Defensive Medicine, Small Savings from Tort Reform
September 1, 2010 | Journal Article
In this paper, the authors present the costs of defensive medicine in 35 clinical specialties to determine whether malpractice liability reforms would greatly reduce health care costs.
Beneficiary Price Sensitivity in the Medicare Prescription Drug Plan Market
January 1, 2010 | Journal Article
Medicare Part-D added a new group of privatized prescription drug plans (PDPs) to the traditional plans offered under the Medicare Advantage program. This study examined how prices in the PDP market affect consumer (i.e.,beneficiary) behavior in choosing PDPs.
Nearly Half of Families in High-Deductible Health Plans Whose Members Have Chronic Conditions Face Substantial Financial Burden
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.
Cost of Health Insurance Leads to Lower Wages, But Impact is Uneven
May 1, 2005 | Program Result Report
The Urban Institute analyzed data from the long-running National Longitudinal Survey of Youth to examine the question of whether employers pass on the cost of health insurance to their workers by offering them lower wages.
Study of Federal Health Tax Credit Program Finds it Expensive and Complicated
July 31, 2008 | Program Result Report
In 2002, the U.S. Congress enacted the Health Coverage Tax Credit to subsidize the purchase of coverage for certain individuals, particularly early retirees and workers displaced by international trade, who might otherwise be uninsured.