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Full-Text Articles in Insurance

Workplace Wellness Programs: Are They Part Of The Answer To The U.S.’S Growing Healthcare Crisis?, Maria C. Grillo Dec 2014

Workplace Wellness Programs: Are They Part Of The Answer To The U.S.’S Growing Healthcare Crisis?, Maria C. Grillo

Cornell HR Review

[Excerpt] Of the $2.8 trillion that the United States has spent on healthcare in recent years, the majority of it (75%) is spent treating chronic disease. Chronic disease is “a long-standing condition that can be controlled but not cured… It is the leading cause of death and disability in the U.S., which is 1.7 million lives each year.” To make matters worse, chronic disease indicators in the U.S. have been on the increase recently. And, even though chronic disease is commonly thought to be more prevalent among the elderly, in the past 10 years, it has ...


The Effects Of The Affordable Care Act On Large Employers And The Impact On The Human Resources Function, Maksim Spivak Dec 2014

The Effects Of The Affordable Care Act On Large Employers And The Impact On The Human Resources Function, Maksim Spivak

Cornell HR Review

[Excerpt] The purpose of this paper is to explore how Fortune 500 companies have been affected by the passing of the Affordable Care Act (ACA). More importantly, this paper will explore what strategies companies have adopted, and what the legislation means to the following stakeholders: company boards, executives, managers, employees, the Human Resource function, and the Benefits staff.


Health Security For The Rural Poor? A Case Study Of A Health Insurance Scheme For Rural Farmers And Peasants In India, Sarosh Kuruvilla, Mingwei Liu Oct 2007

Health Security For The Rural Poor? A Case Study Of A Health Insurance Scheme For Rural Farmers And Peasants In India, Sarosh Kuruvilla, Mingwei Liu

Articles and Chapters

This is a case study of an important innovation in providing healthcare for the rural poor: the Yeshasvini Health Insurance Scheme for rural farmers and peasants in Karnataka, India. Arguably the world's largest health insurance scheme for the rural poor, the scheme commenced in 2003. Designed in ways that overcome several obstacles to providing health security for rural populations, the scheme covered, in its second year, about 2.2 million widely dispersed peasant farmers for surgical and outpatient care for a low annual premium of approximately US$2. In this paper, we describe and evaluate the scheme in its ...


Health Insurance Basics: Roles For The Market And Government In Providing, Financing, And Regulating Private Insurance Coverage, Jennifer Jenson, Bernadette Fernandez Sep 2007

Health Insurance Basics: Roles For The Market And Government In Providing, Financing, And Regulating Private Insurance Coverage, Jennifer Jenson, Bernadette Fernandez

Federal Publications

[Excerpt] Both the market and government have important roles in ensuring the availability, affordability, and adequacy of private health insurance. These roles complement one another, but even together the market and government have limitations. The market provides a variety of insurance products for consumers and employers with different needs and preferences. These products differ on many dimensions, including the breadth of provider networks, amount of beneficiary cost-sharing, and techniques for managing the use of health care services. Large employers, small employers, and individuals have different health insurance options, but all must make tradeoffs between the cost of coverage and desired ...


A Discussion Of Social Protection And Private Insurance, Gary S. Fields Jan 1994

A Discussion Of Social Protection And Private Insurance, Gary S. Fields

Articles and Chapters

[Excerpt] This is a thoughtful and thought-provoking paper, informative and interesting. I learned a lot from reading this and have already passed it on to others.

In my comments, I would like to do four things: highlight the major points and the rationale for them, raise a few quibbles, put forth some additional issues, and propose a possible resolution of a dilemma raised in the paper.

But let us first try to be clear about what we are talking about. Professor Pestieau characterizes social insurance as being mandatory, universal, and redistributive. I would define it slightly differently: “Social insurance is ...