Risk Adjustment and Reinsurance
December 1, 2011 | Issue Brief
This brief presents states with a work plan that outlines the decisions and actions needed to implement the risk adjustment and reinsurance provisions of the Affordable Care Act.
Risk Adjustment
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Insurance Discrimination On the Basis Of Health Status
January 1, 2009 | Report
This paper provides a brief overview of discrimination practices, the federal law and federal reform options to manage discriminatory practices in the insurance and employee health benefit markets.
Health Risk Appraisals
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.
Mitigating Risk in a State Health Insurance Exchange
December 1, 2011 | Toolkit
This toolkit series, released by the Robert Wood Johnson Foundation and the Blue Cross Blue Shield of Massachusetts Foundation, provides examples, templates, and lessons from Massachusetts.
Coping with Risk Segmentation
February 1, 2003 | Issue Brief
Risk segmentation and the consequent wide variation in premiums create at least two kinds of problems. First, some high-risk people are not able to afford coverage. Second, the wide premium spread requires some people to pay much more than others for identical coverage.
Health Insurance Exchanges
January 1, 2009 | Report
This paper analyzes whether Congress can legislate a health insurance mandate and the potential legal challenges that might arise, given such a mandate.
Risk Selection and Risk Adjustment
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.
Should Government Encourage Use of Market Forces in Spreading Health Insurance Risks?
January 1, 2001 | Program Result
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.