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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 ...
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.
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 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.