We All Want it, but We Don't Know What it is
October 1, 2011 | Journal Article
An expert panel expressed divergent opinions about what constitutes affordability of health insurance premiums under the ACA.
Insurance Premiums
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Most State Governments Offer Choice of Health Plans, But Do Not Standardize Benefit Packages Survey Finds
January 1, 2001 | Program Result
A team of researchers conducted a mail and telephone survey of 500 public-sector employers to inventory their health plan purchasing practices and estimate the effect of those practices on premiums.
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.
Cross-Cutting Issues: Rate Review
September 1, 2012 | Report
A report from the Robert Wood Johnson Foundation, compiled as part of its Affordable Care Act (ACA) Implementation—Monitoring and Tracking Series, examines the status of rate review in 10 featured states. Implemented in August 2010, rate review is ...
Studying Expansion of Coverage and Access to Care in Three States
July 30, 2012 | Program Result
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.
Relative Affordability of Health Insurance Premiums Under CHIP Expansion Programs and the ACA
July 21, 2011 | Journal Article
Despite the importance of affordability to universal access to health insurance coverage, there is wide variability in what is considered affordable.
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.
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.
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.