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.

Designing Health Insurance Exchanges: Key Decisions

Issue Brief
Mar. 7, 2012

A cornerstone of health care reform is the establishment of state-level insurance exchanges where individuals and small businesses can purchase health insurance in an online marketplace. This report reviews the experience of Massachusetts in developing a health insurance exchange and offers policymakers guidance on key features and likely consumer responses.

The Effect of Firearm Deaths on Life Expectancy and Insurance Premiums in the United States

Oct. 27, 2005

 In this Issue Brief, Dr. Lemaire explores whether deaths from firearms explain some of these international and racial disparities in life expectancy. He uses actuarial techniques to calculate the “cost” of firearm deaths in the U.S., both in terms of reduced life expectancy and increased life insurance premiums.

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