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Full-Text Articles in Insurance

Out-Of-Pocket Cost For Individuals Being Treated For Opioid Dependence In Rutland County, Vermont, Christopher T. Veal Jan 2018

Out-Of-Pocket Cost For Individuals Being Treated For Opioid Dependence In Rutland County, Vermont, Christopher T. Veal

Family Medicine Clerkship Student Projects

Each day more than 140 Americans die from drug overdoses, 91 specifically due to opioids. In Vermont, more than 50 people die each year from opioid poisoning. With insurance coverage being a critical component of Opioid Dependence Recovery, many people seeking treatment are unaware of the financial barriers to recovery- namely the out-of-pocket costs associated with treatment. This study sought to provide insight on the financial impact of Opioid Dependence Treatment on the patient, and provide financial assistance information to the Rutland County community.


The Economic Realities Of Replacing The Affordable Care Act, Hanming Fang Mar 2017

The Economic Realities Of Replacing The Affordable Care Act, Hanming Fang

Wharton Public Policy Initiative Issue Briefs

Using simulations based on a new economic model, this brief empirically examines the pivotal mechanisms of the Affordable Care Act, such as the individual mandate, employer mandate, and premium subsidies, to inform the debate over repealing and replacing the Affordable Care Act. The research suggests that the ACA, if left intact, in the long run significantly reduces the uninsured rate. The simulations also suggest that the employer mandate is not a crucial pillar for the success of the ACA. The analysis indicates it is the premium subsidy, rather than the employer mandate or the individual mandate, that is crucial for ...


Insurance Against Extreme Events: Pairing Short-Term Incentives With Long-Term Strategies, Howard Kunreuther Oct 2016

Insurance Against Extreme Events: Pairing Short-Term Incentives With Long-Term Strategies, Howard Kunreuther

Wharton Public Policy Initiative Issue Briefs

Consumers tend to purchase too little insurance or purchase it too late. Consequently, taxpayers wind up bearing substantial burdens for paying reconstruction costs from extreme events. The 2005 and 2012 hurricane seasons alone cost taxpayers nearly $150 billion. There is much that can be done to better facilitate the role that insurance can play in addressing losses from extreme events, both natural and man-made.


Ssdi Reform: Promoting Return To Work Without Compromising Economic Security, Jagadeesh Gokhale Sep 2015

Ssdi Reform: Promoting Return To Work Without Compromising Economic Security, Jagadeesh Gokhale

Wharton Public Policy Initiative Issue Briefs

With the Social Security Disability Insurance (SSDI) trust fund on the verge of depletion, Congress must enact structural reforms to the SSDI program that address and counter the rapid growth in SSDI enrollments in recent years. This brief details a work incentive program for SSDI beneficiaries, called the Generalized Benefit Offset (GBO), which would help get SSDI recipients back into the labor force, enhancing their own economic welfare while increasing economic output on a societal level.


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

Wharton Public Policy Initiative Issue Briefs

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 ...


Only Too Human: Understanding Health Insurance Markets When Consumers Lack Information, Jonathan T. Kolstad Sep 2014

Only Too Human: Understanding Health Insurance Markets When Consumers Lack Information, Jonathan T. Kolstad

Wharton Public Policy Initiative Issue Briefs

When the state and federal health insurance exchanges were introduced in 2013, much attention was paid to the logistics of their launch. Nearly a year later, policymakers should now be looking at a different question: how can we collect and use data from the exchanges to understand how consumers think about insurance choice, so as to make the exchanges function better?


Options Facing Congress In Renewing The Terrorism Risk Insurance Act, Howard Kunreuther, Erwann Michel-Kerjan Jul 2014

Options Facing Congress In Renewing The Terrorism Risk Insurance Act, Howard Kunreuther, Erwann Michel-Kerjan

Wharton Public Policy Initiative Issue Briefs

The Terrorism Risk Insurance Act (TRIA) is set to expire at the end of 2014 and is currently under debate in Congress. Renewing TRIA may limit the amount of disaster relief the federal government would contribute after a terrorist attack, but the different options under which TRIA might be renewed carry implications for how losses from any attack would be spread between commercial policyholders, insurers, and taxpayers.


Optimizing Outcomes On The Health Insurance Exchanges, Tom Baker, Jonathan T. Kolstad, Amanda Starc, Kevin G. Volpp Nov 2013

Optimizing Outcomes On The Health Insurance Exchanges, Tom Baker, Jonathan T. Kolstad, Amanda Starc, Kevin G. Volpp

Wharton Public Policy Initiative Issue Briefs

The success of the new health insurance exchanges will depend greatly on the quality of the enrollment decisions that consumers make. Choosing the wrong insurance product can translate into billions of dollars in wasteful spending at the national level. Faculty at the University of Pennsylvania have contributed to several studies outlining important ways that the exchanges can be made to work better for consumers—and for the larger economy.


Implementing The National Flood Insurance Reform Act In A New Era Of Catastrophes, Howard Kunreuther, Erwann Michel-Kerjan Oct 2013

Implementing The National Flood Insurance Reform Act In A New Era Of Catastrophes, Howard Kunreuther, Erwann Michel-Kerjan

Wharton Public Policy Initiative Issue Briefs

The United States has entered a new era of catastrophes, of which floods have been the most devastating. Through its 2012 reform (Biggert-Waters Act), the 45-year old federally-run National Flood Insurance Program has an opportunity to highlight the role that risk-based premiums can play in encouraging individuals to undertake loss reduction measures. But the implementation of this reform is now being challenged due to concerns that residents cannot afford risk-based premiums. The authors of this brief propose that this can be overcome by successfully combining risk-based pricing, required insurance, means-tested insurance vouchers, and mitigation loans, so that individuals reduce their ...


The Urgency Of Reforming Entitlement Programs: The Case Of Social Security Disability Insurance, Mark Duggan Aug 2013

The Urgency Of Reforming Entitlement Programs: The Case Of Social Security Disability Insurance, Mark Duggan

Wharton Public Policy Initiative Issue Briefs

Enrollment in the Social Security Disability Insurance program has risen significantly since the late 1980s; consequently, program expenditures have far outpaced revenues and the SSDI trust fund is projected to hit zero in 2016. Moreover, the SSDI program, as currently administered, discourages applicants and recipients of benefits from seeking and returning to work, thereby reducing federal tax revenues at a time when deficit reduction is critical. The SSDI program can and must be reformed. Reconsidering the medical eligibility criteria for benefits, promoting earlier medical interventions, allowing for SSA representation at appeal hearings on benefit decisions, enacting time limits for some ...


Impact Of Health Reform On Latinos And Immigrants In The Omaha-Council Bluffs Metropolitan Area, Jim P. Stimpson, Kelly Shaw-Sutherland, Yang Wang Mar 2013

Impact Of Health Reform On Latinos And Immigrants In The Omaha-Council Bluffs Metropolitan Area, Jim P. Stimpson, Kelly Shaw-Sutherland, Yang Wang

Reports: Center for Health Policy

No abstract provided.


The Affordable Care Act Of 2010: A Brief Summary, Jim P. Stimpson Mar 2012

The Affordable Care Act Of 2010: A Brief Summary, Jim P. Stimpson

Reports: Center for Health Policy

In March 2010, the Patient Protection and Affordable Care Act (ACA, P.L. 111-148) as amended by the Health Care and Education Reconciliation Act of 2010 (HCERA, P.L. 111-152) (referred to hereafter as the ACA) was signed into law as the most comprehensive piece of legislation since the passage of Medicare and Medicaid legislation in 1965 aimed at creating sweeping health care reform. This brief provides a summary of the titles contained in the law, the implementation of the provisions, and the estimated financial impact.


State Of Ohio: Insurance Industry And Occupational Highlights, Ohio Board Of Regents, Wright State University, Center For Urban And Public Affairs Jan 2011

State Of Ohio: Insurance Industry And Occupational Highlights, Ohio Board Of Regents, Wright State University, Center For Urban And Public Affairs

Economic Development

Over 7,000 business establishments in Ohio employ 120,626 people in the Insurance Industry. Employment is expected to grow 1% a year to 2015, adding 6,323 workers, outpacing the national growth rate. In an analysis of the top ten states by employment size and industry concentration, Ohio is expected to grow at the second fastest pace.

Every year, the Insurance Industry has roughly 2,000 job openings for new and replacement jobs. The core of the industry is found in five occupations: insurance sales agents; claims adjusters, examiners, and investigators; insurance underwriters; insurance appraisers, auto damage; and actuaries ...


The Economics Of Risk, Donald J. Meyer Jan 2003

The Economics Of Risk, Donald J. Meyer

Upjohn Press

This collection offers an economics-based overview of the various facets of risk. It contains six papers that examine a broad array of research relating to risk. Two papers examine risk management and its application to decision making as well as what researchers have learned over the past few decades in their theoretical investigations of risk. The remaining chapters examine how risk plays out in the particular markets in which it has a significant presence, including casino gambling enterprises, agricultural markets, auctions, and health insurance.


Blue Ribbon Commission On The Regulation Of Health Care Expenditures, State Of Maine, 113th Legislature Jan 1989

Blue Ribbon Commission On The Regulation Of Health Care Expenditures, State Of Maine, 113th Legislature

Maine Collection

Blue Ribbon Commission on the Regulation of Health Care Expenditures

State of Maine, 113th Legislature (January, 1989)

Office of Policy and Legal Analysis, Room 101, State House--Sta. 13, Augusta, Maine 04333.

Contents: Preface / Executive Summary of Recommendations / Introduction and Background / Detailed Recommendations


Daniel Saye Hollis Papers - Accession 175, Daniel Saye Hollis Jan 1978

Daniel Saye Hollis Papers - Accession 175, Daniel Saye Hollis

Manuscript Collection

Daniel Saye Hollis (1885-1981) was a politician and community leader from Rock Hill, SC. The Daniel Saye Hollis Papers consist of correspondence, speeches, legislative bills, reports, newspaper clippings and other material relating to Hollis’ career, term of office as a member of the South Carolina House of Representatives, York County politics, and the South Carolina Democratic Party. Of particular interest is a memoir entitled, “I Remember," which focuses on his early life, rural attitudes, and growing up in a southern rural community in the early 1900s. There is also some information on St. John’s United Methodist Church, Rotary Club ...


Letter From Robert Livingston To Messieurs Storke And Gainsborough Of London, Written March 19, 1734 From South Carolina., Robert Livingston Mar 1734

Letter From Robert Livingston To Messieurs Storke And Gainsborough Of London, Written March 19, 1734 From South Carolina., Robert Livingston

Broadus R. Littlejohn, Jr. Manuscript and Ephemera Collection

Livingston requests that cargo of a sloop sailing from South Carolina to New York be insured.

(Deducing by the date of this item, the author/creator is neither of the father and son Robert Livingstons, the latter known as a founding father of the U.S.)