Rural Considerations in Establishing Network Adequacy Standards for Qualified Health Plans in State and Regional Health Insurance Exchanges

High-deductible health plans (HDHPs) have become increasingly prevalent among employer-sponsored health plans and plans offered through the Health Insurance Marketplace in the United States. This study examined the impact of deductible levels on health care experiences in terms of care access, affordability, routine checkup, out-of-pocket cost, and satisfaction using data from the Health Reform Monitoring Survey. The study also tested whether the experiences of Marketplace enrollees differed from off-Marketplace individuals, controlling for deductible levels. Results from multivariable and propensity score weighted regression models showed that many of the outcomes were adversely affected by deductible levels and Marketplace enrollment. These results highlight the importance of efforts to help individuals choose the plan that fits both their medical needs and their budgets. The study also calls for more attention to improving provider acceptance of HDHPs and Marketplace plans as these plans become increasingly common over time.

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Cancer-free Life Expectancy in Small Administrative Areas in South Korea and Its Associations with Regional Health Insurance Premiums

Journal of Korean Medical Science ◽

10.3346/jkms.2021.36.e269 ◽

2021 ◽

Vol 36 (42) ◽

Author(s):

Eunjeong Noh ◽

Hee-Yeon Kang ◽

Jinwook Bahk ◽

Ikhan Kim ◽

Young-Ho Khang

Keyword(s):

Health Insurance ◽

Life Expectancy ◽

South Korea ◽

Regional Health ◽

Insurance Premiums ◽

Health Insurance Premiums

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Contending with Risk Selection in Health Insurance Markets in Germany

Perspektiven der Wirtschaftspolitik ◽

10.1111/j.1465-6493.2006.00217.x ◽

2006 ◽

Vol 7 (Supplement) ◽

pp. 75-91 ◽

Cited By ~ 2

Author(s):

Jacob Glazer ◽

Thomas G. McGuire

Keyword(s):

Health Insurance ◽

Risk Adjustment ◽

Simple Approach ◽

Insurance Markets ◽

Risk Selection ◽

Health Plans ◽

Health Insurance Markets ◽

The U.S

Abstract In many countries, competition among health plans or sickness funds raises issues of risk selection. Funds may discourage or encourage potential enrollees from joining, and these actions may have efficiency or fairness implications. This article reviews the experience in the U.S., and comments on the evidence for risk selection in Germany. There is little evidence that risk selection causes efficiency problems in Germany, but risk selection does lead to an inequality in contribution rates. A simple approach to equalizing contribution rates that does not involve risk adjustment is presented and discussed.

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