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Health Insurance Market Reforms: Guaranteed Issue

Guaranteed issue laws require insurance companies to issue a health plan to any applicant – an individual or a group – regardless of the applicant’s health status or other factors. Currently, in most states, insurance companies can deny nongroup coverage to people based on their health status or their medical…

Quantifying the Effects of Health Insurance Rate Review

This report from the Kaiser Family Foundation analyzes the effect of government efforts to ensure that insurance premium increases are justifiable and provide value to consumers and small businesses. Rate review programs require insurers in the small group and individual markets to submit proposed rate increase requests to state or…

Health Insurance Market Reforms: Rate Review

Rate review is the process by which insurance regulators review health plans’ new or renewed rates for insurance policies in order to ensure that the rates charged are based on accurate, verifiable data and realistic projections of health costs. Historically, state insurance departments have conducted rate review, but under the…

Kaiser /Harvard Survey of Americans on Health Policy – Chart Pack

Survey of Americans on Health PolicyThe Kaiser-Harvard Program on the Public and Health/Social PolicyJuly 30, 1996Conducted for the Foundation by Princeton Survey Research AssociatesReturn to topSurvey of Americans on Health Policy:Press Release Survey Chart Pack

How Private Health Coverage Works: A Primer – 2008 Update

How Private Health Coverage Works: A Primer— 2008 UpdateThis primer explains the role and operations of private health coverage in the United States. Private health coverage is provided under a variety of different arrangements, including health insuring organizations regulated under state law and health plans sponsored by employers and employee organizations…

Primers on Key Health Care Topics and Programs

The Kaiser Family Foundation maintains a number of primers providing overviews of key health care programs and issues. Written by Foundation staff, each primer provides key data and information that helps illustrate the topic and its relevance for the nation's health care system.Medicaid: A PrimerMedicare: A PrimerThe Uninsured: A PrimerHealth…

Cost Sharing for Health Care: France, Germany, and Switzerland

As policymakers in the United States weigh options for reform to the nation’s health care system, the level of cost sharing that consumers face when they receive services covered by their health plans is a major consideration, especially for those with serious health conditions. This background brief authored by Kaiser…

The COBRA Subsidy and Health Insurance for the Unemployed

With the nation’s unemployment rate rising to its highest levels in decades as a result of the recession, many families have lost their employer-sponsored health coverage or are at risk of doing so. In an effort to help people maintain coverage after a layoff, the stimulus legislation known as the…

Consumers’ Experience in Massachusetts: Lessons For National Health Reform

This report examines the impact of state health reform efforts on the lives of ordinary people in Massachusetts, including a look at coverage provided by both public programs and private sources. It focuses specifically on people’s ability to afford and obtain needed care. Report (.pdf)