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Insurance Premiums

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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.

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.

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.

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.

Studying Expansion of Coverage and Access to Care in Three States

July 30, 2012 | Program Result Report

Researchers at the Urban Institute evaluated the impact of state health reforms in on insurance coverage and access to and use of health care in Massachusetts, New York, and Illinois, under State Health Access Reform Evaluation, an RWJF national program.

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.

The Rural Implications of Geographic Rating of Health Insurance Premiums

May 1, 2012 | Issue Brief

Researchers at the University of Southern Maine's Muskie School of Public Service examine the implications of geographic rating, the practice of adjusting insurance premiums to reflect regional differences in the cost of health care, on risk pooling and insurance premiums.

Medical Malpractice

May 1, 2006 | Issue Brief

As a result of rapidly rising medical malpractice insurance premiums, reduced availability of coverage, and financially distressed liability insurers, many states have passed tort reforms. This synthesis examines the medical malpractice "crisis" and the effect of state tort reforms.

Tort Law and Medical Malpractice Insurance Premiums

September 1, 2006 | Journal Article

The United States appears to be in a new medical malpractice “crisis” after years of relative stability. Physicians, attorneys, policy-makers and other interested parties are debating what to do about recent substantial rises in malpractice premiums ...

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