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.

The Affordable Care Act and Minority Health: Part I (Overview)

Jan. 12, 2015

As the Affordable Care Act’s health insurance marketplaces begin their second year of open enrollment, LDI examines the current and potential impact of the ACA on the health of minority populations. This first post of a five-part series describes the current state of insurance coverage and health disparities among racial and ethnic minorities.

The ACA’s Pediatric Essential Health Benefit Has Resulted In A State-By-State Patchwork Of Coverage With Exclusions

Jan. 10, 2015

Aimee M. Grace, Kathleen G. Noonan, Tina L. Cheng, Dorothy Miller, Brittany Verga, David Rubin and Sara Rosenbaum

In Health Affairs, Kathleen Noonan, co-director of the CHOP PolicyLab, and colleagues investigate how the Affordable Care Act’s (ACA) pediatric essential health benefit has been implemented by states. They look at how state benchmark plans - the base plan chosen in each state as the standard or benchmark of coverage in that state under ACA rules - address pediatric coverage in plans governed by the essential health benefits standard. The review of summaries of all the state benchmark plans found that no state specified a distinct pediatric services benefit class. Furthermore,...

Measuring Consumer Valuation of Limited Provider Networks

Jan. 9, 2015

Keith Marzilli Ericson, Amanda Starc

In a National Bureau of Economic Research Working Paper, Amanda Starc and Keith Marzilli Ericson (Boston University) examine how much consumers value network breadth by measuring and comparing insurance plans, and plan choice, on the Massachusetts health insurance exchange. ‘Limited’ or ‘narrow’ network plans are growing in popularity yet there is currently little evidence on consumer valuation of breadth as a plan attribute. Using data from the Massachusetts exchange and the Massachusetts All-Payer Claims Database, Starc and Marzilli quantify the breadth of insurer-hospital...

Window Shopping on and the State-Based Marketplaces: More Consumer Support Needed

Data Brief
Dec. 17, 2014

This data brief examines the window-shopping experience that consumers encountered on each health insurance marketplace website during the first two weeks of the Affordable Care Act's second open enrollment period. The marketplaces have made some progress toward adopting the recommended "Top 5 Rules for Decision Support." Shoppers found plenty of sorting and filtering options, but insufficient information about providers and little true decision support. 

Why We Should All Care about Obamacare

Oct. 23, 2014

Cross-posted from The Field Clinic blog

Despite all the media attention, most of us are only bystanders to the activities surrounding “Obamacare.” That’s because most of us still get our health insurance through our employers. The ACA focused on stabilizing the individual market and making coverage more affordable for people buying health insurance on their own.