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August 30, 2012 | Issue Brief
Insurance market reforms under the Affordable Care Act (ACA) are designed to increase the number of Americans with insurance—and to shed the current system in which health plans have an incentive to enroll healthier people while avoiding the sick. O ...
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.
January 1, 2001 | Program Result Report
In 1995 and 1996, the California Managed Risk Medical Insurance Board, Sacramento, Calif., developed a risk-adjustment mechanism that was applied to small employer group health insurance purchasers in the Health Insurance Plan of California (HIPC), the first statewide health insurance purchasing cooperative for small employers (three to 50 employees).
January 1, 2001 | Program Result Report
During 1994 and 1995, investigators at Harvard University School of Public Health analyzed the high-risk auto insurance market, secondary mortgage markets, and the futures and options markets to determine whether these sectors of the insurance market offer lessons for the health sector. The project looked specifically at how these markets spread risk.
January 1, 2003 | Program Result Report
From 1997 to 2001, researchers at the Institute for Health Policy Studies at the University of California, San Francisco, conducted a two-phase study to test the hypothesis that risk adjustment could be improved by removing patients with high-cost chronic conditions from the general risk pool and assessing their risk by analysis of detailed clinical information.