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Full-Text Articles in Insurance

The Pricing Impact Of Decreasing Competitiveness Of The Health Insurance Market, Lauren N. Patterson May 2018

The Pricing Impact Of Decreasing Competitiveness Of The Health Insurance Market, Lauren N. Patterson

Chancellor’s Honors Program Projects

No abstract provided.


Social Health Insurance Coverage And Financial Protection Among Rural-To-Urban Internal Migrants In China: Evidence From A Nationally Representative Cross-Sectional Study, Wen Chen, Qi Zhang, Andre M. N. Renzaho, Fangjing Zhou, Hui Zhang, Li Ling Jan 2017

Social Health Insurance Coverage And Financial Protection Among Rural-To-Urban Internal Migrants In China: Evidence From A Nationally Representative Cross-Sectional Study, Wen Chen, Qi Zhang, Andre M. N. Renzaho, Fangjing Zhou, Hui Zhang, Li Ling

Community & Environmental Health Faculty Publications

INTRODUCTION: Migrants are a vulnerable population and could experience various challenges and barriers to accessing health insurance. Health insurance coverage protects migrants from financial loss related to illness and death. We assessed social health insurance (SHI) coverage and its financial protection effect among rural-to-urban internal migrants (IMs) in China.

METHODS: Data from the '2014 National Internal Migrant Dynamic Monitoring Survey' were used. We categorised 170 904 rural-to-urban IMs according to their SHI status, namely uninsured by SHI, insured by the rural SHI scheme (new rural cooperative medical scheme (NCMS)) or the urban SHI schemes (urban employee-based basic medical insurance (UEBMI ...


Health Insurance Co-Ops: Product Availability And Premiums In Rural Counties, Erika C. Ziller Phd, Zach T. Croll Ba, Andrew F. Coburn Phd Oct 2016

Health Insurance Co-Ops: Product Availability And Premiums In Rural Counties, Erika C. Ziller Phd, Zach T. Croll Ba, Andrew F. Coburn Phd

Access / Insurance

Created by the Affordable Care Act (ACA), Consumer Operated and Oriented Plans (CO-OPs) are private, non-profit health insurers that were designed to increase insurance plan choice and lower premiums in the Health Insurance Marketplaces. Early analyses of the ACA suggested that CO-OPs may be particularly beneficial for rural communities, where fewer individual and small group health insurance options have traditionally been available.

This Research and Policy Brief, authored by research staff at the Maine Rural Health Research Center, explores the early availability and role of CO-OPs in rural and urban counties. We describe the regional distribution and market prevalence of ...


Is There A Future For Employer- Sponsored Health Insurance?, Mark V. Pauly Mar 2015

Is There A Future For Employer- Sponsored Health Insurance?, Mark V. Pauly

Penn Wharton Public Policy Initiative

Over the next five years, the effects of the ACA on employer-sponsored insurance will be modest. In the longer run, there is greater potential for disruption, depending on how firms respond to the subsidies available on the exchanges for low-wage workers. In all, only about 15% of the workforce likely will be affected. The impacts of the ACA on firms will vary widely based on three main factors: 1) the size of the firm, 2) the average compensation within the firm, and 3) the degree to which wages within the firm are homogenous or heterogeneous. Keeping in mind that employees ...


Why Are The Disability Rolls Skyrocketing? The Contribution Of Population Characteristics, Economic Conditions, And Program Generosity, Mark Duggan, Scott. A. Imberman Jan 2009

Why Are The Disability Rolls Skyrocketing? The Contribution Of Population Characteristics, Economic Conditions, And Program Generosity, Mark Duggan, Scott. A. Imberman

Health Care Management Papers

This chapter, which addresses three categories of explanation—the characteristics of individuals insured by the Disability Insurance (DI) program, the state of the economy, and the generosity of program benefits—argues that the growth in DI rolls is likely to continue and perhaps accelerate going forward. The data indicate that the recessions of 1991 and 2001 can explain 24 percent of the growth in DI receipt among men and 12 percent of the growth among women. Changes in health during the past two decades have slowed rather than added to the growth of the DI rolls. DI awards for certain ...


Is Health Insurance Affordable For The Uninsured?, M Kate Bundorf, Mark V. Pauly Phd Jul 2006

Is Health Insurance Affordable For The Uninsured?, M Kate Bundorf, Mark V. Pauly Phd

Health Care Management Papers

In this paper, we investigate the meaning of “affordability” in the context of health insurance. Assessing the relationship between the affordability of coverage and the large number of uninsured in the U.S. is important for understanding the barriers to purchasing coverage and evaluating the role of policy in reducing the number of uninsured. We propose several definitions of affordability and examine the implications of alternative definitions for estimates of the proportion of uninsured who are unable to afford coverage. We find that, depending on the definition, health insurance was affordable to between one-quarter and three-quarters of the uninsured in ...


Dirigo Health, Sharon Anglin Treat, Michael Brennan, Ann Woloson Jan 2003

Dirigo Health, Sharon Anglin Treat, Michael Brennan, Ann Woloson

Maine Policy Review

Maine’s pioneering Dirigo Health program aims at reducing health care costs, improving quality, and increasing access by providing health insurance coverage to all of Maine’s currently uninsured population. State senators Sharon Treat and Michael Brennan and co-author Ann Woloson provide an overview of the components, structure and financing of the program. They discuss some of the challenges and opportunities posed in Dirigo Health’s implementation, and give an insider’s perspective on the process by which the program was enacted.


Dirigo Health: Its Opportunities And Obstacles, Godfrey Wood Jan 2003

Dirigo Health: Its Opportunities And Obstacles, Godfrey Wood

Maine Policy Review

No abstract provided.


Dirigo Health: A Small Business Perspective, Deborah Cook Jan 2003

Dirigo Health: A Small Business Perspective, Deborah Cook

Maine Policy Review

In her commentary Deborah Cook, executive director of the Maine Small Business Alliance, discusses Dirigo Health from the viewpoint of small businesses, whose employees and families, along with the self-employed, represent the largest proportion of uninsured in Maine’s population. She notes that rising costs of health care and insurance are a major threat to the viability of small businesses.