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A Consumer Guide to Handling Disputes with Your Employer or Private Health Plan

Most people get their health care through some form of managed care plan – a health maintenance organization, preferred provider organization, or point-of-service option. Most of the time, people receive the care they need, but the potential exists for disagreements over the services that will be provided or paid for…

Snapshots: Compensation for Workers with & without Access to Health Benefits at Work

This paper compares the payroll and benefit compensation of workers that had access to employer-sponsored health benefits at work to that of workers who did not have an insurance offer. Surveys of employers indicate that smaller and lower wage firms are less likely to offer health benefits to workers, but do…

Snapshots: Health Care Spending in the United States & Selected OECD Countries

Health spending is rising faster than incomes in most developed countries, which raises questions about how countries will pay for their future health care needs. The issue is particularly acute in the United States, which not only spends much more per capita on health care, but also has had one of…

Snapshots: Insurance Premium Cost-Sharing and Coverage Take-up

One of the many reasons an individual may be uninsured is that she or he decides an employer’s offer of health insurance is too expensive. Several studies have noted the likelihood that a worker will decline an employer’s offer of health insurance increases with the amount he or she is…

Snapshots: Comparing Projected Growth in Health Care Expenditures and the Economy

The rising cost of health care is much in the news. Health costs continue to grow faster than national income and, despite research indicating that we the get good value for the increased spending, some policy makers and health analysts question whether governments and private employers can continue to finance…

Snapshots: Distribution of Out-of-Pocket Spending for Health Care Services

How much people should pay out-of-pocket for health care is a much-debated issue in health policy. New health insurance products with higher out-of-pocket shares are becoming more evident in the private market, and some states are considering ways to increase enrollee financial responsibility in state Medicaid programs.  This paper presents…