Private Insurance/Exchanges

The main source of health insurance in the US, primarily through employers. The Affordable Care Act established health insurance exchanges (marketplaces) for the individual and small group market.

New Year, New Issues

Jan. 27, 2016

It is cold outside, but certain health policy debates are hot enough to thaw even snowy Philadelphia. Puns aside, 2016 looks like it will provide no shortage of interesting health policy developments. Here’s what we expect to be talking about in 2016 on Insurance Reform, one of our key research and policy themes.  

Taking the Training Wheels Off of Health Reform

Jan. 21, 2016

While controversy and rancor are perhaps the only certainties in the ongoing health care reform debate, a majority of Americans agree that expanding health insurance coverage is a worthy societal goal. One of the primary obstacles to achieving this goal is its cost. However, it is another obstacle that may pose the most daunting challenge: making health insurance more affordable for those lacking coverage without harming those with coverage.

Advancing LGBTQ Health – Hot topics on the national stage

Dec. 9, 2015

Although Section 1557 of the ACA may not be well known to the public, it took center stage at the recent Gay and Lesbian Medical Association (GLMA) annual conference in Portland, Oregon. The conference educates practitioners and students about the unique health needs of lesbian, gay, bisexual, transgender and queer (LBGTQ) individuals and families, and reports on the latest research on LGBTQ health. Here are some of the latest research and policy developments emerging from the conference.

Section 1557 of the ACA

Quality of Health Insurance Coverage and Access to Care for Children in Low-Income Families

Dec. 7, 2015

Amanda Kreider, Benjamin French, Jaya Aysola, Brendan Saloner, Kathleen Noonan, David Rubin

In JAMA Pediatrics, Amanda Kreider and colleagues, including Benjamin French, Jaya Aysola, Brendan Saloner, Kathleen Noonan and David Rubin, compare health care access, quality and cost outcomes by insurance type for children in low or moderate income households. Using family-reported measures from the National Surveys of Children’s Health, the authors examined children’s access to preventive and specialty care and caregiver satisfaction with insurance coverage, and also characterized unmet health needs and out-of-pocket costs over the last decade. The analysis revealed that...

A Tale of Two States: Do Consumers See Mental Health Insurance Parity When Shopping on State Exchanges?

Nov. 19, 2015

Kelsey Berry, Haiden Huskamp, Howard Goldman, Colleen Barry

In Psychiatric Services, Kelsey Berry and colleagues, including Colleen Barry, present an analysis of parity compliance in how behavioral health benefits are presented to consumers shopping on health insurance exchanges established by the Affordable Care Act.  All insurance plans sold on the exchanges are required to offer mental health and substance use disorder benefits in compliance with requirements of the Paul Wellstone and Pete Domenici Mental Health Parity and Addiction Equity Act of 2008 (MHPAEA). The researchers reviewed summaries of benefits documents available to...

“Sticker Shock” in Individual Insurance under Health Reform?

Nov. 9, 2015

Mark Pauly, Scott Harrington, Adam Leive

In 2013, before the ACA’s health insurance marketplaces opened, more than 10 million people purchased insurance in the individual market. In the American Journal of Health Economics, Mark Pauly, Scott Harrington, and Adam Leive estimate how the ACA affected the prices these buyers faced in 2014.  Before taking any federal subsidies into account, they find that the impact of the ACA on total average price was relatively modest.

They looked at the effects of the ACA on premiums, expected out-of-pocket payments, and total expected price paid by these former buyers. They...