Insurance and Provider Markets
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Beyond Average Spending: Distributional and Seasonal Commercial Insurance Trends, 2012-2021
Health insurance is working well to protect the highest spenders, while others are paying an increasing share of out-of-pocket costs.
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Mothers Pay More Out of Pocket When Pregnancy Crosses Two Calendar Years
The Schaeffer Center study suggests that women with high-deductible health plans pay more out-of-pocket for maternity care when pregnancies span two calendar years, facing annual deductibles twice.
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Deductible Double Jeopardy: Patients May Pay More Out of Pocket When Pregnancy Crosses 2 Years
This cross-sectional analysis of commercially insured delivering mothers suggests that greater out-of-pocket spending is incurred when pregnancy spans 2 years, causing them to face out-of-pocket limits twice.
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Buyouts Can Bring Relief From Medical Debt, but They’re Far From a Cure
Local governments are increasingly buying – and forgiving – their residents’ medical debt.
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About this section
Competition is essential for a properly functioning marketplace, but industry consolidation, insurance complexity and other factors are barricading healthcare consumers from the benefits of good commerce. Schaeffer Center analysts explore ways to remove those obstacles to efficiency, while also promoting optimal care.
Our Experts On Insurance and Provider Markets
Our Work In Insurance and Provider Markets
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Seminar Series – Anup Malani
Anup Malani is a legal scholar and economist. He is the Lee & Brena Freeman Professor at the University of Chicago Law School and a Research Associate at the National Bureau of Economic Research.
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Government And Commercial Insurer Payment Rates to Hospitals: A Commentary on Priselac
Paul Ginsburg discusses how for decades, stakeholders have argued about whether competition or regulation should be the approach to constrain health care spending. By having chosen neither, he argues, our nation now finds itself with a much larger challenge. The magnitude of our health care affordability problem cries out for pursuing both competition and regulation.
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Biosimilar Drugs Underutilized Due to Commercial Insurance Restrictions
The first study to examine biosimilar drivers finds commercial insurers limit use in almost 20% of cases.
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Tweak the Affordable Care Act to Mandate Backstop Health Insurance
Universal coverage could be achieved through a “backstop” insurance that auto-enrolls uninsured patients when they seek care.
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Largest Medicare Advantage Plans Pay Big Markups for Dialysis
Large dialysis chains charge Medicare Advantage plans 27% more than the traditional, fee-for-service Medicare program.
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The Supreme Court Left Millions of Americans Uninsured: Here’s What Congress Can Do to Cover Them
Congress can expand healthcare to millions of Americans by enrolling individuals in the 12 states that did not expand Medicaid.
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