Employee Choice and the Demand for Health Insurance Coverage: Evidence from Random Coefficients Models

2020 ◽  
Vol 20 (2) ◽  
Author(s):  
Nour Kattih ◽  
Franklin G. Mixon
Keyword(s):  
Health Insurance ◽  
Insurance Coverage ◽  
Health Insurance Coverage ◽  
Health Condition ◽  
Random Coefficients ◽  
Demand Model ◽  
Kaiser Family Foundation ◽  
Older Employees ◽  
Structural Demand ◽  
The Individual

AbstractThis study examines the effects of deductibles, employee premium contributions, and the availability of tax-sheltered health savings accounts on employee selection into health insurance plans after passage of the Affordable Care Act, and particularly after implementation of the individual mandate. In doing so, a utility-based structural demand model is applied to market-level macro data from the Kaiser Family Foundation and the Health Research Educational Trust. Results from random coefficients models indicate that for an average consumer, price sensitivity for employer-sponsored health insurance plans varies by age, wage, health condition and gender. Employees who are older, obese, or female are less sensitive to deductibles and premiums than younger and healthier employees, or male employees. These findings suggest that high deductible health plans that combine a tax-sheltered account with higher deductibles will negatively impact the utility of older employees and females as compared to younger employees and males.

Health Promotion Financing With Mongolia’s Social Health Insurance

2009 ◽  
Vol 21 (4) ◽  
pp. 399-409 ◽  
Author(s):  
Dorjsuren Bayarsaikhan ◽  
Keiko Nakamura
Keyword(s):  
Health Promotion ◽  
Health Insurance ◽  
Insurance Coverage ◽  
Social Health Insurance ◽  
Health Insurance Coverage ◽  
Social Health ◽  
Individual Level ◽  
Related Information ◽  
Health Related ◽  
The Individual

Health promotion is receiving more attention in Mongolia. A survey is undertaken to examine health promotion in terms of health-related information, education, counseling, screening, and preventive and medical checkups. Almost all (97.5%) the participants feel that access to reliable and systematically organized health-related information is important. About 60% of the participants said that the amount of currently available information is inadequate. There are several factors that limit the implementation of public health programs. These include inadequate focus on promoting health at the individual level, lack of funds, and limited incentives to promote health. This article examines social health insurance as an option to address these issues. Three hypothetical benefits package options expanded to health promotion were developed and simulated by a computerized tool. The simulations show that all 3 options are financially sustainable at the existing level of contribution if Mongolia will gain near universal health insurance coverage and improve revenue collection practices.

scholarly journals Health Reform and the Constitutionality of the Individual Mandate

2011 ◽  
Vol 12 (4) ◽  
pp. 236-244 ◽  
Author(s):  
Jeffrey J. Lee ◽  
Deena Kelly ◽  
Matthew D. McHugh
Keyword(s):  
Health Insurance ◽  
Health Reform ◽  
Access To Health Care ◽  
Insurance Coverage ◽  
Health Insurance Coverage ◽  
Critical Issue ◽  
Economic Effects ◽  
Patient Protection ◽  
Individual Mandate ◽  
The Individual

The Patient Protection and Affordable Care Act (ACA) of 2010 is landmark legislation designed to expand access to health care for virtually all legal U.S. residents. A vital but controversial provision of the ACA requires individuals to maintain health insurance coverage or face a tax penalty—the individual mandate. We examine the constitutionality of the individual mandate by analyzing relevant court decisions. A critical issue has been defining the “activities” Congress is authorized to regulate. Some judges determined that the mandate was constitutional because the decision to go without health insurance, that is, to self-insure, is an activity with substantial economic effects within the overall scheme of the ACA. Opponents suggest that Congress overstepped its authority by regulating “inactivity,” that is, compelling people to purchase insurance when they otherwise would not. The U.S. Supreme Court is set to review the issues and the final ruling will shape the effectiveness of health reform.

Unmanaging Managed Care: The Challenges of Privatizing Medicaid in Illinois

2018 ◽  
Vol 40 (3) ◽  
pp. 45-48
Author(s):  
Matt Dalstrom ◽  
Kim McCullough ◽  
Miaake Slayton
Keyword(s):  
Health Insurance ◽  
Managed Care ◽  
Insurance Coverage ◽  
Health Insurance Coverage ◽  
The State ◽  
Homeless Population ◽  
Educational Materials ◽  
Anthropological Critique ◽  
The Individual ◽  
Enrollment Process

Abstract Patients can face significant challenges when government administered Medicaid plans are transitioned to private Medicaid Managed Care (MMC). This is especially true for the homeless population, since transitioning to MMC shifts the responsibility of health insurance coverage to the individual by requiring them to “choose” their health insurance coverage and understand how the plans operate. In Illinois, enrollees are expected to use the state HealthChoice Illinois website to learn about MMC, evaluate their healthcare options, and select a MMC plan. This study provides an anthropological critique of this process. We collected data from focus groups with Medicaid enrollees, interviews with healthcare navigators, and reviews of MMC educational materials from the state of Illinois. Understanding new healthcare challenges that resulted from the transition to MMC will hopefully lead to the development of an improved educational and enrollment process.

Health insurance coverage in Minnesota: Trends from 2001 to 2004

2006 ◽  
Author(s):  
April Todd-Malmlov ◽  
Alexander Oftelie ◽  
Kathleen Call ◽  
Jeanette Ziegenfuss
Keyword(s):  
Health Insurance ◽  
Insurance Coverage ◽  
Health Insurance Coverage
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