Insurance Choice and Benefit Design
Our work in Insurance Choice and Benefit Design
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Health Care’s Killer App: Life Insurance
The industry could profit by helping policyholders pay for cancer treatments that prolong life.
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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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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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