Insurance Choice and Benefit Design
Our work in Insurance Choice and Benefit Design
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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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Is the National Health Protection Scheme Good Public Policy?
India recently announced an ambitious plan called the National Health Protection Scheme (NHPS) to provide government-sponsored insurance to roughly 500 million people or nearly 40% of India’s population.
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Social Health Insurance for the Poor: Lessons from a Health Insurance Programme in Karnataka, India
In 2010, India rolled out a social health insurance scheme focused on increasing access to tertiary care for households below the poverty line. Sood and his collegues summarize the key findings from this experiment and what it means for public policy.
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Impact of Consumer-Directed Health Plans on Low-Value Healthcare
Consumer-directed health plan are not associated with reduced spending on low-value healthcare services.
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Money-Saving Health Plans do Little to Curb Spending on Unnecessary Medical Services
High-deductible plans are falling short of their promises of significant savings for consumers.
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Switch and Save on Medicare Part D
Simply switching prescription drug plans could save seniors and the government billions.
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Americans Support Price Shopping for Health Care, But Few Actually Seek Out Price Information
In this study, researchers assessed how frequently patients are price shopping for care and the barriers they face in doing so, and found that few Americans actively obtain price information before going to the doctor.
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Few Americans Look into Out-of-Pocket Costs Before Receiving Care
13% of respondents tried to find pricing information; 3% compared costs among providers.
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