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Private Insurance Coverage of Contraception

Insurance coverage of contraceptive services has been the focus of policy attention by state and federal policymakers, as well as in the courts, over the past two decades. This issue brief explains the rules for private insurance coverage of contraceptives at the federal and state level and discusses key issues regarding the provision and coverage of contraception by private insurance plans, including the impact of the Affordable Care Act (ACA).

Workplace Wellness Programs Characteristics and Requirements

This issue brief summarizes what’s known about workplace wellness programs offered by employers today and the use of financial incentives to encourage workers to participate. Findings are drawn from the KFF/HRET Annual Employer Health Benefits Survey. In addition, the brief reviews proposed changes by the Equal Employment Opportunity Commission (EEOC) in federal standards governing financial incentives by workplace wellness programs and how these changes might balance the use of incentives against other discrimination and privacy protections.

Health Insurance Coverage in 2013: Gains in Public Coverage Continue to Offset Loss of Private Insurance

The recession accelerated the long-standing decline in employer-sponsored health insurance and through 2013 most of the recovery in the uninsured rate was due to increased enrollment in public insurance, primarily Medicaid and the Children’s Health Insurance Program (CHIP). With the exception of young adults ages 19 to 25, who are able to remain on their parents’ health plan until age 26 under the ACA, ESI coverage rates for adults and children continued to decrease between 2010 and 2013.

Health-Care Deductibles Climbing Out of Reach 

In his latest column for The Wall Street Journal’s Think Tank, Drew Altman explores the trend of higher deductibles in health plans and discusses a new analysis showing that many people with insurance don’t have sufficient financial resources to pay a mid- or high-range deductible. All previous columns by Drew…

Health-Care Deductibles Climbing Out of Reach

In this column for The Wall Street Journal’s Think Tank, Drew Altman explores the trend of higher deductibles in health plans and discusses a new analysis showing that many people with private insurance don’t have sufficient financial resources to pay a mid- or high-range deductible.

Consumer Assets and Patient Cost Sharing

Higher cost sharing in private insurance has been credited with helping to slow the growth of health care costs in recent years. For families with low incomes or moderate incomes, however, high deductibles, out-of-pocket limits and other cost sharing can be a potential barrier to care and may lead these families to significant financial difficulties. This issue brief uses information from the Federal Reserve Board’s 2013 Survey of Consumer Finances to look at how household resources match up against potential cost-sharing requirements for plans offered by employers or available in the individual market, including in the Affordable Care Act marketplaces.

ACA 101: What You Need To Know

On Friday, March 6, 2014, the Kaiser Family Foundation and the Alliance for Health Reform hosted an ACA 101 briefing on the Affordable Care Act. The briefing took place just as the second marketplace enrollment period ended, and the Supreme Court heard oral arguments in a case challenging the ACA’s subsidies (King v Burwell).

Harvard and Growth in Health Care Cost Sharing

In this column for The Wall Street Journal’s Think Tank, Drew Altman explains why recent discussion of Harvard University’s introduction of new health insurance cost sharing measures amounted to “making a mountain out of a mole hill”.