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Retiree Health VEBAs: A New Twist On An Old Paradigm

This issue brief provides an overview of stand-alone Voluntary Employees’ Beneficiary Association trusts, through which employers have been able to rid themselves of future obligations to pay retiree health benefits in exchange for making a significant payment to designed to approximate the projected cost of these benefits. The paper include…

Explaining Health Care Reform: Questions About Health Insurance Exchanges

The Patient Protection and Affordable Care Act (PPACA), signed into law in March 2010, made broad changes to the way health insurance will be provided and paid for in the United States. PPACA created a new mechanism for purchasing coverage called Exchanges, which are entities that will be set up…

Trends in Medicare Supplemental Insurance and Prescription Drug Benefits, 1996-2001Data Update

Trends in Medicare Supplemental Insurance and Prescription Drug Benefits, 1996-2001 Data UpdateThis data update provides estimates of supplemental insurance and prescription drug coverage rates and trends between 1996 and 2001, which will help to provide important context for assessing future changes in supplemental insurance and drug coverage rates after provisions…

Section 4: Health Insurance Choice

Exhibit 4.1Exhibit 4.6Exhibit 4.2Exhibit 4.7Exhibit 4.3Exhibit 4.8Exhibit 4.4Exhibit 4.9Exhibit 4.5Exhibit 4.105Survey respondents were asked whether the firm offers a personal or health savings account, including a Health Reimbursement Arrangement (HRA) or other type of health savings account option.6There are several savings account options permitted under the law, including health reimbursement…

Explaining Health Care Reform: What is Health Insurance?

A key element in any comprehensive health reform plan is defining what health insurance is and the amount of insurance coverage people will have. There are two components to that coverage: the types of services covered (e.g., physician care, hospitalization, prescription drugs, etc.), and the cost sharing required of enrollees…

As the Economy Improves, the Number of Uninsured Is Falling But Not Because of a Rebound in Employer Sponsored Insurance

Insurance coverage has rebounded since the end of the Great Recession, mostly because of increases in Medicaid coverage. Employer coverage stabilized after the recession, but mostly because of policies allowing young adults to stay on parents’ coverage. For other age groups, employer coverage rates are still falling. Ongoing shifts in employment status, industry type, income, demographics, and region have affected changes in coverage nationally.