Peering Into the Black Box of Insurance Rating June 7, 2011 Perspective Recently, the New York Times reported that private health insurers continue to seek large premium increases despite seeing lower than expected use of medical care and booking record profits. The story highlights a significant problem for health policy: the lack of good, public information about how health insurers manage health…
Measuring the Affordability of Employer Health Coverage August 24, 2011 Perspective A recent draft regulation issued by the Treasury Department describes who is eligible for premium tax credits to help them afford coverage offered through health insurance exchanges beginning in 2014. Tax credits will be available to people with incomes between 100 and 400 percent of the poverty level who are…
Pulling It Together: Keeping the Health Reform Coalition Together November 7, 2008 Perspective We could be headed for a new schism in the debate about health reform. Not the familiar gulf between advocates of the market and government, or the predictable one between deficit hawks and spenders, but a new one that crosses traditional partisan and ideological lines between advocates of long-term reform of the health care delivery…
Pulling It Together: Moving Away From Employer Based Coverage: Don’t Forget Public Opinion June 25, 2008 Perspective One of the underlying big issues in the unfolding health reform debate is whether most Americans should continue to get insurance through work where they get it today, or purchase it themselves in the individual private health insurance marketplace. Senator McCain promotes moving to individual insurance and having individuals rather…
Pulling It Together: Predictions May 20, 2011 Perspective I usually don’t make predictions, unless they are backed up by the kind of statistical modeling we often produce. But here are three predictions I am confident about that form the basis of this latest column. GROUP HEALTH INSURANCE PREMIUMS WILL CONTINUE TO RISE AT HISTORICALLY MODERATE LEVELS, AT LEAST…
Pulling It Together: Predicting the Future May 4, 2010 Perspective A fair amount of attention was given recently to projections made by the Chief Actuary of the Centers for Medicare and Medicaid Services (CMS) about the new health reform law, and how they compare to previous estimates by the Congressional Budget Office (CBO). No doubt the various projections will be…
Pulling it Together: REPOR(t) May 26, 2010 Perspective In today’s column I investigate a somewhat lighter topic than my last column on micro-simulation modeling: What was the impact of shows like Jon Stewart’s The Daily Show and Stephen Colbert’s The Colbert Report on the health reform debate? Who among us has not wondered about the answer to this…