Insurance Choice and Benefit Design
Our work in Insurance Choice and Benefit Design
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Insurance Status Churn and Auto-Enrollment
Sobin Lee and Christen Linke Young of the USC-Brookings Schaeffer Initiative estimate how effective prior-month data about the uninsured would be in predicting the number of individuals currently uninsured.
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The Trump Administration’s Final HRA Rule: Similar to the Proposed but Some Notable Choices
USC-Brookings Schaeffer Initiative fellows analyze the Trump Administration’s final rule on allowing employers to pay for their workers’ health insurance through subsidies on the individual market, concluding that it is a step in the wrong direction.
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Three Ways to Make Health Insurance Auto-Enrollment Work
Successful auto-enrollment likely requires changes to the way we determine eligibility for Medicaid and Marketplace financial assistance, to make the system easier to navigate and more generous, writes USC-Brookings Schaeffer Initiative Fellow Christen Linke Young.
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Healthcare’s Killer App: Life Insurance
“At the time of a cancer diagnosis, the incentives of the patient and those of his life insurer align more strongly. Both want him to live as long as possible. Every month of added life is a bonus for the insurer, both in postponing benefits and in collecting additional premiums,” write Goldman and Lakdwalla in The Wall Street Journal.
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Paying Patients To Switch: Impact Of A Rewards Program On Choice Of Providers, Prices, And Utilization
One increasingly popular strategy to encourage patients to switch to lower-price providers is to financially reward patients who receive care from such providers. Neeraj Sood and colleagues evaluated the impact of a rewards program.
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Are High-Deductible Plans a Healthy Option for Patients?
High-deductible health plans may have unintended consequences for patients.
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Growing Number of Unsubsidized Part D Beneficiaries with Catastrophic Spending Suggests Need for Out-Of-Pocket Cap
More than one million Part D enrollees who were not eligible for cost assistance reached the catastrophic coverage in 2015.
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Without a Cap, Out-of-Pocket Drug Spending Poses Great Risk
Medicare Part D distinctly lacks a cap on out-of-pocket spending, sending many beneficiaries toward financial hazard.
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Financial Burden of Healthcare Utilization in Consumer-Directed Health Plans
Enrollment in a consumer-directed health plan increases the financial burden associated with healthcare utilization, especially for those with lower incomes and with chronic conditions.
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High-Deductible Health Plans Raise Risk of Financial Ruin for Vulnerable Americans, Study Finds
Low-income consumers or those who are chronically ill are most at risk.
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