scholarly journals Termination of Personal Health Insurance Contracts by Cancellation or Nonrenewal

1956 ◽  
Vol 5 (2) ◽  
pp. 67
Author(s):  
Gerald R. Gibbons ◽  
John D. Johnston
Keyword(s):  
Health Insurance ◽  
Personal Health ◽  
Insurance Contracts

Uncertainty and health insurance

2017 ◽  
Author(s):  
Jan Abel Olsen
Keyword(s):  
Health Insurance ◽  
Excess Demand ◽  
Financial Protection ◽  
Insurance Plan ◽  
Welfare Gain ◽  
Health Insurance Plan ◽  
Insurance Contracts ◽  
Efficiency Losses ◽  
Potential Efficiency

This chapter seeks to explain why most people prefer to have a health insurance plan. Two types of uncertainty give rise to the demand for financial protection: people do not know if they will ever come to need healthcare, and they do not know the full financial implications of illness. Health insurance would take away—or at least reduce—such financial uncertainties associated with future illnesses. A model is presented to show the so-called welfare gain from health insurance. This is followed by an investigation into the potential efficiency losses of health insurance, due to excess demand for services. In the last section, a different efficiency problem is discussed: when people have an incentive to signal ‘false risks’, this can lead to there being no market for insurance contracts which reflect ‘true risks’.

A comprehensive assessment of the cost of multiple sclerosis in the United States

1998 ◽  
Vol 4 (5) ◽  
pp. 419-425 ◽  
Author(s):  
Kathryn Whetten-Goldstein ◽  
Frank A Sloan ◽  
Larry B Goldstein ◽  
Elizabeth D Kulas
Keyword(s):  
Multiple Sclerosis ◽  
Health Care ◽  
Health Insurance ◽  
Informal Care ◽  
Annual Cost ◽  
Lifetime Cost ◽  
The United States ◽  
Personal Health ◽  
Secondary Sources ◽  
The Cost

Comprehensive data on the costs of multiple sclerosis is sparse. We conducted a survey of 606 persons with MS who were members of the National Multiple Sclerosis Society to obtain data on their cost of personal health services, other services, equipment, and earnings. Compensation of such cost in the form of health insurance, income support, and other subsidies was measured. Survey data and data from several secondary sources was used to measure costs incurred by comparable persons without MS. Based on the 1994 data, the annual cost of MS was estimated at over $34 000 per person, translating into a conservative estimate of national annual cost of $6.8 billion, and a total lifetime cost per case of $2.2 million. Major components of cost were earnings loss and informal care. Virtually all persons with MS had health insurance, mostly Medicare/Medicaid. Health insurance covered 51 per cent of costs for services, excluding informal care. On average, compensation for earnings loss was 27 per cent. MS is very costly to the individual, health care system, and society. Much of the cost (57 per cent) is in the form of burdens other than personal health care, including earnings loss, equipment and alternations, and formal and informal care. These costs often are not calculated.

Postindustrial Europe and its Health Care: Views of an Insider

1972 ◽  
Vol 2 (4) ◽  
pp. 479-490
Author(s):  
L. M. J. Groot
Keyword(s):  
Health Care ◽  
Health Insurance ◽  
European Economic Community ◽  
State Intervention ◽  
Personal Health ◽  
Industrialized Countries ◽  
Health Manpower ◽  
Equal Distribution ◽  
The United Kingdom ◽  
Real Costs

In the industrialized countries, a rapidly growing and more expensive consumption of medical services, which runs parallel to economic development, is becoming manifest. This paper tries to establish a typical image of the six countries of the European Economic Community as to their economic and organizational aspects of personal health care. Apart from certain differences, common features can be identified. Though relatively few, comparable figures concerning health insurance reveal widely divergent policies within the member states. It is, however, difficult to prove to what extent these policy differences influence the consumption and the real costs of health care. In the field of health insurance, there is a tendency toward increased financing by the state. The entry of the United Kingdom, Denmark, and other countries with an important degree of state intervention, will undoubtedly influence the ultimate policy of the EEC. There are important differences in health manpower and personnel utilization, factors which have a strong influence on the development of costs. To achieve a more equal distribution of manpower, negotiations concerning the freedom of settlement of health professionals and the reciprocal recognition of licensing are under way. Finally, there are main differences in the provision of hospital care, its financing, and fee schedules.

scholarly journals Health Insurance Is Associated With Preventive Care but Not Personal Health Behaviors

2013 ◽  
Vol 26 (6) ◽  
pp. 759-767 ◽  
Author(s):  
A. Jerant ◽  
K. Fiscella ◽  
D. J. Tancredi ◽  
P. Franks
Keyword(s):  
Health Insurance ◽  
Health Behaviors ◽  
Preventive Care ◽  
Personal Health

scholarly journals Bunching at the Kink: Implications for Spending Responses to Health Insurance Contracts

2016 ◽  
Author(s):  
Liran Einav ◽  
Amy Finkelstein ◽  
Paul Schrimpf
Keyword(s):  
Health Insurance ◽  
Insurance Contracts

Information Costs and Health Insurance Contracts

2000 ◽  
Vol 67 (2) ◽  
pp. 235 ◽  
Author(s):  
Chu-Shiu Li
Keyword(s):  
Health Insurance ◽  
Information Costs ◽  
Insurance Contracts

scholarly journals Health Care Access Among Essential Critical Infrastructure Workers, 31 States, 2017-2018

2021 ◽  
pp. 003335492199668
Author(s):  
Winifred L. Boal ◽  
Jia Li ◽  
Sharon R. Silver
Keyword(s):  
Health Care ◽  
Health Insurance ◽  
Health Care Access ◽  
Access To Health Care ◽  
Health Care Services ◽  
Personal Health ◽  
The Past ◽  
Care Access ◽  
Care Services ◽  
Access To Health

Objectives Essential workers in the United States need access to health care services for preventive care and for diagnosis and treatment of illnesses (coronavirus disease 2019 [COVID-19] or other infectious or chronic diseases) to remain healthy and continue working during a pandemic. This study evaluated access to health care services among selected essential workers. Methods We used the most recent data from the Behavioral Risk Factor Surveillance System, 2017-2018, to estimate the prevalence of 4 measures of health care access (having health insurance, being able to afford to see a doctor when needed, having a personal health care provider, and having a routine checkup in the past year) by broad and detailed occupation group among 189 208 adults aged 18-64. Results Of all occupations studied, workers in farming, fishing, and forestry occupations were most likely to have no health insurance (46.4%). Personal care aides were most likely to have been unable to see a doctor when needed because of cost (29.3%). Construction laborers were most likely to lack a personal health care provider (51.1%) and to have not had a routine physical checkup in the past year (50.6%). Compared with workers in general, workers in 3 broad occupation groups—food preparation and serving; building and grounds cleaning and maintenance; and construction trades—had significantly lower levels of health care access for all 4 measures. Conclusion Lack of health insurance and underinsurance were common among subsets of essential workers. Limited access to health care might decrease essential workers’ access to medical testing and needed care and hinder their ability to address underlying conditions, thereby increasing their risk of severe outcomes from some infectious diseases, such as COVID-19. Improving access to health care for all workers, including essential workers, is critical to ensure workers’ health and workforce stability.

Sex, Lies, and Health Insurance: Employer-Provided Health Insurance Coverage of Abortion and Infertility Services and the ADA

1996 ◽  
Vol 22 (1) ◽  
pp. 51-84
Author(s):  
D'Andra Millsap
Keyword(s):  
Health Insurance ◽  
Private Health Insurance ◽  
Insurance Coverage ◽  
Health Insurance Coverage ◽  
The United States ◽  
Infertility Treatment ◽  
Insurance Contracts ◽  
Access To Health ◽  
Infertility Treatments ◽  
Infertile Couples

Employer-provided health insurance is the backbone of the American healthcare system. Approximately four of five workers in the United States rely on health insurance provided in the workplace. Many commentators view access to health insurance as the doorway to the entire health care system. Thus, the benefits covered in employer-provided health insurance plans significantly impact millions of Americans.While private health insurance usually covers abortion, it traditionally has not covered infertility services. Eventually, courts began interpreting insurance contracts to include infertility treatments, leading insurers to specifically exclude infertility treatments from coverage. In response, a few states have passed mandated benefit laws requiring coverage of some or all infertility services. Nonetheless, current insurance coverage of infertility services is “erratic” at best. These exclusions are significant because abortion and infertility services can be quite expensive for the millions of infertile couples seeking some sort of infertility treatment and the millions of women who have abortions each year.

scholarly journals Risk-Adjustment in Long-Term Health Insurance Contracts in Germany

2006 ◽  
Vol 31 (4) ◽  
pp. 692-704 ◽  
Author(s):  
Johann Eekhoff ◽  
Markus Jankowski ◽  
Anne Zimmermann
Keyword(s):  
Health Insurance ◽  
Risk Adjustment ◽  
Insurance Contracts

scholarly journals Bunching at the kink: Implications for spending responses to health insurance contracts

2017 ◽  
Vol 146 ◽  
pp. 27-40 ◽  
Author(s):  
Liran Einav ◽  
Amy Finkelstein ◽  
Paul Schrimpf
Keyword(s):  
Health Insurance ◽  
Insurance Contracts
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