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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.
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.
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.
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, 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.