The Kaiser Health Security Watch uses Kaiser Health Tracking Poll data to measure the public’s health care-related problems and worries, including problems paying medical bills, skipping or delaying health care due to cost, and worrying about their future ability to pay for care and keep insurance. The Health Security Watch describes…
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The Medical Loss Ratio (MLR) provision of the Affordable Care Act (ACA) saved consumers an estimated $2.1 billion last year, in the form of lower premiums and rebates, according to a new analysis by the Kaiser Family Foundation. Under health reform, insurers must issue consumer rebates if they fail to spend a certain portion of premium income on health care claims and quality improvement expenses, thereby limiting what they may spend on administrative expenses or keep as profits.
This chartbook provides California and U.S. data and trend analysis on a broad range of health system and financing indicators, including demographics and health status data, insurance coverage and the uninsured, employer health insurance premiums and offer rates, Medicaid and Medicare enrollment and spending, and health care industry trends. Chartbook…
External Review of Health Plan Decisions: An Overview of Key Program Features in the States and Medicare
In 1978, the state of Michigan established a system to call on independent medical experts to help resolve disputes between health plans and patients about the medical necessity and appropriateness of care. Since then, twelve other states and the Medicare program have established similar kinds of external review programs. In…
Snapshots: A Comparison of the Availability and Cost of Coverage for Workers in Small Firms and Large Firms
Small and large firms vary substantially on health insurance offer rates and costs. Small firms are less likely to offer coverage, and there are important differences in the health benefits that small and larger firms offer. Workers at small firms are responsible for paying both a larger share of family…
Snapshots: Employer Sponsored Health Insurance – A Comparison of the Availability and Cost of Coverage for Workers in Small Firms and Large Firms
Employer Sponsored Health Insurance – A Comparison of the Availability and Cost of Coverage for Workers in Small Firms and Large Firms November 2008 The majority of businesses in the United States are small businesses. Of the over three million firms with three or more workers, roughly 98% have between…
Coverage and Cost Impacts of the President’s Health Insurance Tax Credit and Tax Deduction Proposals
This issue brief looks at the coverage impacts and costs of two components of the administration’s FY 2005 budget proposals to increase the affordability of health insurance: a new tax credit for people purchasing non-group health insurance and a new tax deduction for premiums for high-deductible, non-group health insurance policies.…
The Halbig case, if it prevails, would have far-reaching side effects on the Affordable Care Act’s employer mandate and the functioning of the individual insurance market.
Navigating the Health Insurance Landscape: What’s next for Navigators, In-person Assisters and Brokers?
On August 5, 2014, the Kaiser Family Foundation and the Alliance for Health Reform hosted a briefing to discuss navigator and other in-person assistance programs under Patient Protection and Affordable Care Act (ACA) implementation.
This annual Employer Health Benefits Survey (EHBS) provides a detailed look at trends in employer-sponsored health coverage, including premiums, employee contributions, cost-sharing provisions, and other relevant information. The 2014 EHBS survey finds average family health premiums rose 3 percent in 2014, relatively modest growth by historical standards.