Health Insurance

Financial and structural characteristics of the public and private programs that cover medical costs. LDI analyzes how to expand and improve coverage through insurance exchanges, employer-sponsored insurance, and public programs.

State-Based Marketplaces Spent Heavily to Help Enroll Consumers

Data Brief
Apr. 29, 2014

The Affordable Care Act required that consumers have access to in-person or on-call assistance to understand their choices and "navigate" the complexities of the new health insurance marketplaces. One consequence of each state's decision about whether to run its own marketplace is an extreme variation in the time-limited funding available for consumer assistance programs. 

Exchanging Ideas at Health Insurance Marketplace Conference

Apr. 22, 2014

The second annual Penn-LDI Health Insurance Marketplace Conference, held April 10-11 at the University of Pennsylvania, brought together academic researchers and marketplace officials to discuss how to align research and implementation efforts. See agenda here. One of many high points of the conference was a session of research presentations focused on “choice architecture” and other aspects of the choices people are facing in the new marketplaces.

Health Insurance Marketplace Enrollment Rates by Type of Exchange

Data Brief
Mar. 28, 2014

Because the ACA gave them choices in how to implement insurance coverage, health reform looks different state to state. This Data Brief examines a number of choices related to the establishment and running of the new health insurance marketplaces, and their potential impact on enrollment rates to date. 

Medicare Advantage to Whom?

Mar. 27, 2014

In a new NBER working paper, LDI Senior Fellows Mark Duggan, Amanda Starc and Boris Vabson ask the question, “Who Benefits when the Government Pays More? Pass-Through in the Medicare Advantage Program.”  Their answer is unequivocal:  mostly insurers (in the form of higher profits), not consumers (in the form of better coverage). They set the stage:

Why the Subsidy Gap Isn’t Actually a Gap

Mar. 20, 2014

(Cross-posted on The Health Care Blog)

A 26-year-old man who makes $36,000 a year in Philadelphia finds out that he is not eligible for a health insurance subsidy, and must pay his $205 monthly premium without any help.

This, despite the ACA’s subsidies for people earning up to 400% of poverty (about $46,000). 

Has he fallen into the subsidy gap?