Health Insurance Expansions For Working Families: A Comparison Of Targeting Strategies

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Health Insurance Expansions For Working Families: A Comparison Of Targeting Strategies"

Transcription

1 Health Insurance Expansions For Working Families: A Comparison Of Targeting Strategies Finding the right criteria for targeting insurance expansions is crucial to maximizing the number of newly covered persons. by Danielle H. Ferry, Bowen Garrett, Sherry Glied, Emily K. Greenman, and Len M. Nichols ABSTRACT: We compare three eligibility criteria for targeting health insurance expansions in working families: poverty, hourly wages, and employment in a small firm. Making pairwise comparisons among these, we find that targeting by poverty is the most effective and efficient. A poverty-based method is also the most effective way to target those lacking access to employer-sponsored insurance and those with low take-up of such coverage. When we examine the effectiveness of targeting by family type, we find that marital status and number of workers in the family make little difference once we control for the presence of children and for poverty level. Over the past several years analysts have suggested a wide range of incremental health insurance expansion options to cover the more than forty million Americans who are uninsured. These options include individual tax credits, public program expansions, alternative purchasing arrangements, and employer subsidies. An often-neglected aspect of these programs details is the choice of eligibility critera. This choice is important because the uninsured are a heterogeneous group. 1 Some uninsured persons have low wages but not low incomes. Others workin small firms but have higher wages. When an eligibility criterion is chosen, some uninsured persons will be included, and others will not. There are two important gauges of the success of an eligibility criterion: (1) the number of uninsured persons who will be made eligible under this criterion, measured as a proportion (which we refer to as target effectiveness); and (2) the propor- Danielle Ferry is a research assistant in the Department of Health Policy and Management at Columbia University s Mailman School of Public Health in New York City. Bowen Garrett is senior research associate at the Urban Institute in Washington, D.C. Sherry Glied is associate professor and chair at the Mailman School. Emily Greenman is earning her doctorate in public policy and sociology at the University of Michigan Population Studies Center. Len Nichols is vice-president of the Center for Studying Health System Change in Washington, D.C. 246 July/August Project HOPEThe People-to-People Health Foundation, Inc.

2 Insurance Expansions tion of the population newly eligible under this criterion that is uninsured (which we refer to as target efficiency). If target efficiency is low, crowding out, or the proportion of already insured persons taking up coverage, will generally be high. A good policy should seekto maximize target effectiveness and efficiency, but these goals are often at odds with one another. This paper compares three targeting criteria: family income measured relative to the federal poverty level, individual hourly wages, and employment in a small firm. As other analysts have, we chose these criteria because uninsurance is concentrated among the poor and among those without access to employer coverage. The latter, in turn, are largely employed in low-wage jobs and small firms. In 1999, 63.2 percent of the nonelderly uninsured had family incomes below 200 percent of poverty. 2 Similarly, 75.8 percent of the uninsured in working families had no access to employer coverage in Thirty-four percent of uninsured workers in 1999 were employed in firms with fewer than ten employees. 4 Targeting Criteria Poverty. Proposals that target families by poverty limit eligibility to individuals and families whose incomes fall below a specified percentage of the poverty level, a measure that adjusts for family size and number of children. In 1999, for example, a family of three (one child) with income below $13,410 or a family of four (two children) with income below $16,530 both had incomes below 100 percent of poverty. Examples of poverty-based programs include Medicaid and State Children s Health Insurance Program (SCHIP) expansions, which raise the upper income eligibility limit for existing programs or extend eligibility to new groups. For example, many states have expanded Medicaid to cover persons with family incomes up to 200 percent of poverty (some even higher). Tax-credit proposals often also use poverty-based eligibility criteria. 5 Wages. Proposals that are administered through the workplace may target by hourly earnings, since firms know their workers wage earnings and can easily determine eligibility. Plans that use wage criteria generally fall into two subgroups: those that encourage employers to offer insurance, and those that induce workers to take up insurance that is offered. Options of the first type may provide a subsidy for the firm s share of the premium or allow employers to offer coverage through a public program buy-in. 6 Programs to improve take-up usually subsidize the employee contribution to a group plan. Small firms. Some proposals target workers in small firms. 7 Small firms do not benefit from the economies of scale in administrative costs achieved by large firms and are at a disadvantage in negotiating premium rates with insurance companies. Nearly all establishments with at least 1,000 employees offered health coverage in 1998, compared with 83.8 percent of firms employing twenty-five to ninety-nine workers and 35.9 percent of firms with fewer than ten employees. 8 HEALTH AFFAIRS ~ Volume 21, Number 4 247

3 Data And Methods We used data drawn from the 2000 March supplement (Annual Demographic Survey) of the Current Population Survey (CPS). For some analyses we used a match of the 1999 February (Contingent Workers and Alternative Employment Supplement) and 1999 March files. 9 We adjusted the data to reflect health insurance purchasing units and assigned each person a primary source of insurance. 10 We calculated hourly wages (based on earnings and on weeks and hours worked) and treated respondents with computed hourly wages below $1 as nonworkers. We limited our sample to families with at least one worker and excluded Medicaid recipients and the elderly (age sixty-five and older), most of whom receive Medicare. Our weighted sample represents 196 million persons in working families, 31.5 million of whom are uninsured. We defined three subgroups based on eligibility criteria: poor/near-poor income below 200 percent of poverty; low wage families in which at least one worker earned hourly wages of $6.82 or less (other workers in the family may earn more); and small firm families with at least one worker employed in an establishment with fewer than ten employees (other workers in the family may be employed in larger firms). We present some analyses for employees only, excluding family members and the self-employed. For employees we used a different wage cutoff ($7.50) and firm-size cutoff (under twenty-five) to equalize population size with poor/near-poor employees. The number of uninsured persons covered under any eligibility criteria depends critically on population size. Proposals with universal eligibility would include everyone and have 100 percent target effectiveness. For this reason, we chose the wage cutoff to make poverty/wage comparisons over similar-size populations. Using these cutoffs, there are approximately equal numbers of persons (forty-four million) in poor/near-poor and low-wage families. The CPS reports firm size in intervals (for example, under 10, 1025), so we could not exactly match the population- and firm-size criteria. We came the closest by specifying small firm size as fewer than ten workers. There are nearly four million more persons in small-firm families than in poor/near-poor families. Many proposals use higher thresholds than the ones we used here, although proposals that have received the most attention in Congress tend to use thresholds more like ours. 11 We compared our target populations to those that would be obtained from defining poor/near-poor, low wage, and small firm more conservatively and more liberally in Exhibit Evaluating Policy Options Cost and coverage implications. Exhibit 2 compares the effectiveness, efficiency, and crowding out associated with each targeting criterion. We report crowding out under the assumption that 15 percent of the insured and 50 percent of the uninsured take up insurance. 13 In the top panel, the poverty-based criterion out- 248 July/August 2002

4 Insurance Expansions EXHIBIT1 Implications Of Selected Definitions Of Poor/Near-Poor, Low Wage, And Small Firm, Millions Of Persons, 2000 Definition Insured Uninsured Target as percent of total uninsured population Income as percent of poverty Less than 100 Less than 200 Less than % Lowest wage in family $5.15 $6.82 $ Smallest firm size in family Fewer than 10 employees 1024 employees 2599 employees SOURCE: March 2000 Current Population Survey. performs both the wage and firm-size criteria in terms of target effectiveness, target efficiency, and crowding out. 14 The wage-based criterion is slightly more effective and efficient at targeting the uninsured than is the small-firm criterion. We obtain the same rankordering when we focus on employees only in the bottom panel. Again, the poverty-based criterion performs the best on all counts. Who is excluded? Who is included no matter what? When a choice is made between two policy options, some people are left out. Other people qualify under either option. When there is a great amount of overlap, cost and coverage considerations can take a backseat to other issues such as ease of administration or outreach. We explore these possibilities here, comparing (separately) a poverty-based criterion with one based on wages or firm size, and then comparing the wagebased criterion to the firm-size criterion. The top panel of Exhibit 3 shows that a criterion that excludes low-wage families and includes poor/near-poor families covers more of the uninsured and targets more efficiently than does one that includes low-wage families and excludes the poor/near-poor. Nine and a half million uninsured persons are in families that are both poor/near-poor and low wage. An additional 7.8 million uninsured persons live in families that are poor/near-poor but that do not include a low-wage worker. Only 2.4 million live in families with a low-wage worker but are not poor/near-poor. Estimates of target effectiveness and target efficiency reflect these differences. Nearly 25 percent of the uninsured live in families that are poor/near-poor but not low wage. Only 7.7 percent live in families that are low wage but not poor/nearpoor. Among all those in families that are poor/near-poor but not low wage, one-third are uninsured. Among those in families with a low-wage worker who HEALTH AFFAIRS ~ Volume 21, Number 4 249

5 EXHIBIT2 Policy Implications Of Selected Health Insurance Expansion Targeting Criteria, 1999 And 2000 Persons in working families Millions of persons Poor/near-poor Low wage Small firm Number eligible a Insured Uninsured Take-up b (millions) Insured Uninsured Target effectiveness c Target efficiency d Crowding out e 55.1% % % Employees only Number eligible Insured Uninsured Take-up b (millions) Insured Uninsured Target effectiveness c Target efficiency d Crowding out e 55.3% % % SOURCES: For working families, March 2000 Current Population Survey. For employees, match of 1999 February and March Current Population Survey and supplements. a Number in working families. b Based on the assumption of 50 percent take-up among the uninsured and 15 percent take-up among the insured. c Proportion of the uninsured population that would be eligible. d Proportion of the likely eligible population that is uninsured. e Proportion of take-up by already insured persons. are not poor/near-poor, only 10 percent are uninsured. The middle panel of Exhibit 3 shows that poor/near-poor families are also more effective and efficient targets than are small-firm families that are not poor/near-poor. There is no difference between the effectiveness of low-wage and small-firm targets, however, as shown in the bottom panel of Exhibit 3. A low-wage target is more efficient, though, because families that include a small-firm worker have high incomes. Firm offers and take-up of insurance. Proposals seekto expand employersponsored insurance by increasing offer rates or employee take-up rates. In Exhibit 4 we examine whether poverty, wages, or firm size are the best predictors of offers and take-up. We defined the offer rate as the proportion of workers with a direct offer of employer coverage. Employees who do not have an offer (or who do not take up an offer) may nonetheless have coverage through a family member s employer. To capture this dimension of coverage, we defined the access rate as the proportion of 250 July/August 2002

6 Insurance Expansions EXHIBIT3 Target Effectiveness And Efficiency Of Groups Included Under Different Eligibility Criteria, 2000 Number of uninsured in working families (millions) Target effectiveness (percent of uninsured) Target efficiency (percent who are uninsured) Poor/near-poor vs. low wage Both poor/near-poor and low wage Poor/near-poor but not low wage Low wage but not poor/near-poor % % Poor/near-poor vs. small firm Both poor/near-poor and small firm Poor/near-poor but not small firm Small firm but not poor/near-poor Low wage vs. small firm Both low wage and small firm Low wage but not small firm Small firm but not low wage SOURCE: March 2000 Current Population Survey. individuals with an offer in their family. The family employer coverage take-up rate is the proportion of people with access covered by employer coverage. Employer coverage and health insurance rates are the proportions of individuals covered by employer-sponsored insurance and by any insurance at all, respectively. Poor/near-poor workers have higher individual offer rates than do those earning low wages or employed in small firms. At the family level, though, these results are reversed. Poor/near-poor persons have less access to employer coverage, are less likely to take up this coverage when offered it, are less likely to be covered by employer insurance at all, and, consequently, are less likely to be insured than are EXHIBIT4 Offer, Access, Coverage Take-Up, And Coverage Rates For Groups Defined Under Different Eligibility Criteria, 1999 Groups of families Offer rate (workers) Access rate (any offer in family) Family employer coverage take-up rate Employer coverage rate Health insurance coverage rate Poor/near-poor Low wage Small firm 45.5% % % % % SOURCES: February and March 1999 Current Population Survey. NOTE: For an explanation of coverage categories, see text. HEALTH AFFAIRS ~ Volume 21, Number 4 251

7 those in low-wage and small-firm families. People in low-wage families, which frequently include a higher-wage worker (65 percent), have the greatest access to employer coverage and are therefore most likely to be insured through an employer. Those in small-firm families, who generally have high incomes (78 percent have incomes over 200 percent of poverty), have greater take-up of employer coverage and overall higher insurance coverage rates. Targeting family types. Social policies such as Medicaid and cash welfare assistance have historically given priority to children and parents. In considering health insurance expansions, it is useful to know whether it is more effective or efficient to target some family types over others. Exhibit 5 shows the effectiveness and efficiency of targeting six family types. The first four types are families in which the primary earner is married, by whether there are two or more workers or only one worker and by the presence of children. The other two groups are families in which the primary earner is single, by the presence of children. We only report results for people in poor/near-poor families to focus attention on the differences among family EXHIBIT5 Target Effectiveness And Efficiency Of Health Insurance Expansion Targeting, By Family Status And Income As A Percentage Of Poverty, 2000 Family status/ income level (as percent of poverty) Number of uninsured in working families (millions) Target effectiveness (percent of uninsured) Target efficiency (percent who are uninsured) Married primary earner Two or more workers, no children percent % % 53.2 Two or more workers, with children percent One worker, no children percent One worker, with children percent Single primary earner No children percent With children percent SOURCE: March 2000 Current Population Survey. 252 July/August 2002

8 Insurance Expansions types within the group we already determined to be the most effectively and efficiently targeted. In Exhibit 5 those with a single primary earner in poor/near-poor families are the largest group, representing about 20 percent of the uninsured (in working families). Almost 12 percent of the uninsured are in poor/near-poor families with children in which there is only one married earner. About 9 percent of the uninsured are in poor/near-poor families with children where the primary earner is single. Within groups with children who have similar incomes, we find that target efficiency is relatively unaffected by marital status and the number of workers in the family. Target efficiency is, however, much higher among poor/near-poor family types without children than among those with children. Since more than half of those in this group are now uninsured, and few are eligible for public programs, making this group eligible for new coverage would crowd out relatively little existing coverage. Conclusions Our results suggest that poverty is a better targeting criterion for health insurance expansions than either wages or firm size. Since they target the uninsured more efficiently, proposals focusing on poor/near-poor families are likely to be less costly (per newly insured person). Among the poor/near-poor, differences in target efficiency are driven mainly by the presence of children. A large fraction of the poor/near-poor uninsured are in childless families. Targeting (or at least not excluding) childless families, who have historically been excluded from subsidized health insurance programs, would be relatively efficient. These results raise the issue of how to weigh the pros and cons of various targeting strategies. A complete evaluation of policy options would consider more than just target effectiveness and efficiency. As mentioned above, wage-based options would be relatively easy to administer since employers already carry out many of the administrative functions that would be needed. Moreover, employers could inform workers of their eligibility in conjunction with benefits notifications. Policymakers might prefer a less effective or efficient proposal if it had administrative and outreach advantages. This is a trade-off that analysis can identify but cannot resolve without explicit value judgments. This research was supported by a grant from the Commonwealth Fund (Ferry and Glied) and by the W.K. Kellogg Foundation (Garrett, Greenman, and Nichols). The work of Greenman and Nichols was conducted while each was at the Urban Institute. Rafiq Hijazi (Urban Institute) provided excellent programming assistance. HEALTH AFFAIRS ~ Volume 21, Number 4 253

9 NOTES 1. S. Glied, Challenges and Options for Increasing the Number of Americans with Health Insurance, Inquiry (Summer 2001): ; and B. Garrett, L.M. Nichols, and E.K. Greenman, Workers without Health Insurance: Who Are They and How Can Policy Reach Them? (Washington: Urban Institute, August 2001). 2. Authors tabulations of the 2000 March Current Population Survey (CPS). 3. Authors tabulations of the 1999 February and March CPS. 4. Authors tabulations of the 2000 March CPS. 5. See L. Zelenak, A Health Insurance Tax Credit for Uninsured Workers, Inquiry (Summer 2001): See J.A. Meyer and E.K. Wicks, A Federal Tax Credit to Encourage Employers to Offer Health Coverage, Inquiry (Summer 2001): ; and S. Rosenbaum, P.C. Borzi, and V. Smith, Allowing Small Businesses and the Self-Employed to Buy Health Care Coverage through Public Programs, Inquiry (Summer 2001): See R.E. Curtis, E. Neuschler, and R. Forland, Private Purchasing Pools to Harness Individual Tax Credits for Consumers, Inquiry (Summer 2001): Authors tabulations of the 1998 Medical Expenditure Panel Survey (MEPS). 9. We matched the 1999 February and March files using a household ID and a unique identifier for each individual within the household (and confirming matches using age, sex, and race). Approximately 64 percent of the observations in the February survey match correctly with the March CPS. Observation weights were then calibrated so that the total weighted population (all ages) matches Census Bureau estimates for We ranksources of coverage, in descending order of importance: employer coverage in one s own name, employer coverage in another s name, Medicare, Medicaid, military insurance, and individual coverage. 11. For example, JackMeyer and Elliott Wicks allow firms with average wages of $10 an hour or less to qualify for their program. Meyers and Wicks, A Federal Tax Credit. Sara Rosenbaum and colleagues provide employee subsidies to workers earning up to $16 an hour and employer subsidies for workers earning $8.50 an hour or less. Rosenbaum et al., Allowing Small Businesses. Jonathan Gruber and Larry Levitt assume that the tax credit is available to all singles with incomes below $60,000 and families with incomes below $100,000. J. Gruber and L. Levitt, Tax Subsidies for Health Insurance: Costs and Benefits, Health Affairs (Jan/Feb 2000): We set the low and high income cutoffs for individuals at 100 and 300 percent of poverty. The higher wage cutoff of $12.50 corresponds to hourly earnings of a single full-time worker earning three times the federal poverty level, and the lower wage cutoff of $5.15 is the minimum wage. Because of restrictions in the data, we offer only higher thresholds for firm size under twenty-five and under ninety-nine employees. 13. While effectiveness and efficiency measures are facts that can be measured directly from survey data, measures of crowding out depend on estimates of behavioral effects. The estimates we use here are taken from S. Glied, D. Remler, and J. Zivin, Approaches to Modeling Health Insurance Expansions: A Comparison of Methods and Assumptions (Background paper prepared for Robert Wood Johnson Foundation conference, Washington, D.C., March 2001). Note that we experimented with different assumptions about take-up and find that our results are relatively insensitive to those changes. 14. Since there are nearly four million more persons in working families with a small-firm employee than in those considered poor/near-poor, only ballparkcomparisons are possible. 254 July/August 2002

Statement of. Linda J. Blumberg, Ph.D. Senior Fellow The Urban Institute

Statement of. Linda J. Blumberg, Ph.D. Senior Fellow The Urban Institute Statement of Linda J. Blumberg, Ph.D. Senior Fellow The Urban Institute Committee on Energy and Commerce Subcommittee on Oversight and Investigations United States House of Representatives Hearing: The

More information

THE GROWING SHARE OF UNINSURED WORKERS EMPLOYED BY LARGE FIRMS. Sherry Glied Columbia University. Jeanne M. Lambrew George Washington University

THE GROWING SHARE OF UNINSURED WORKERS EMPLOYED BY LARGE FIRMS. Sherry Glied Columbia University. Jeanne M. Lambrew George Washington University THE GROWING SHARE OF UNINSURED WORKERS EMPLOYED BY LARGE FIRMS Sherry Glied Columbia University Jeanne M. Lambrew George Washington University Sarah Little Columbia University October 2003 The authors

More information

Tax subsidies for private health insurance: who currently benefits and what are the implications for new policies?

Tax subsidies for private health insurance: who currently benefits and what are the implications for new policies? Also see the report on this topic available at www.taxpolicycenter.org This policy primer is available at www.policysynthesis.org THE SYNTHESIS PROJECT NEW INSIGHTS FROM RESEARCH RESULTS Tax subsidies

More information

Declining Health Insurance in Low-Income Working Families and Small Businesses

Declining Health Insurance in Low-Income Working Families and Small Businesses ACA Implementation Monitoring and Tracking Declining Health Insurance in Low-Income Working Families and Small Businesses April 2012 John Holahan and Vicki Chen The Urban Institute Executive Summary Employer-sponsored

More information

Jessica S. Banthin and Thomas M. Selden. Agency for Healthcare Research and Quality Working Paper No. 06005. July 2006

Jessica S. Banthin and Thomas M. Selden. Agency for Healthcare Research and Quality Working Paper No. 06005. July 2006 Income Measurement in the Medical Expenditure Panel Survey Jessica S. Banthin and Thomas M. Selden Agency for Healthcare Research and Quality Working Paper No. 06005 July 2006 Suggested citation: Banthin

More information

How Non-Group Health Coverage Varies with Income

How Non-Group Health Coverage Varies with Income How Non-Group Health Coverage Varies with Income February 2008 Policy makers at the state and federal levels are considering proposals to subsidize the direct purchase of health insurance as a way to reduce

More information

The Cost Of Providing Health Care Benefits To Early Retirees by Paul Fronstin, Sara C. Snider, William S. Custer, and Dallas L.

The Cost Of Providing Health Care Benefits To Early Retirees by Paul Fronstin, Sara C. Snider, William S. Custer, and Dallas L. DataWatch The Cost Of Providing Health Care Benefits To Early Retirees by Paul Fronstin, Sara C. Snider, William S. Custer, and Dallas L. Salisbury Abstract: Subsidized health care benefits would be guaranteed

More information

While Congress is focusing on health insurance for low-income children, this survey highlights the vulnerability of low-income adults as well.

While Congress is focusing on health insurance for low-income children, this survey highlights the vulnerability of low-income adults as well. Insurance Matters For Low-Income Adults: Results From A Five-State Survey While Congress is focusing on health insurance for low-income children, this survey highlights the vulnerability of low-income

More information

Profile of Rural Health Insurance Coverage

Profile of Rural Health Insurance Coverage Profile of Rural Health Insurance Coverage A Chartbook R H R C Rural Health Research & Policy Centers Funded by the Federal Office of Rural Health Policy www.ruralhealthresearch.org UNIVERSITY OF SOUTHERN

More information

President Bush s Health Care Tax Deduction Proposal: Coverage, Cost and Distributional Impacts. John Sheils and Randy Haught

President Bush s Health Care Tax Deduction Proposal: Coverage, Cost and Distributional Impacts. John Sheils and Randy Haught www.lewin.com President Bush s Health Care Tax Deduction Proposal: Coverage, Cost and Distributional Impacts John Sheils and Randy Haught President Bush proposes to replace the existing tax exemption for

More information

Issue Brief. Women and Health Coverage: The Affordability Gap. Elizabeth M. Patchias and Judy Waxman National Women s Law Center * * * * *

Issue Brief. Women and Health Coverage: The Affordability Gap. Elizabeth M. Patchias and Judy Waxman National Women s Law Center * * * * * APRIL 2007 Issue Brief Women and Health Coverage: The Affordability Gap Elizabeth M. Patchias and Judy Waxman National Women s Law Center For more information about this study, please contact: Elizabeth

More information

How Will the Uninsured Be Affected by Health Reform?

How Will the Uninsured Be Affected by Health Reform? How Will the Uninsured Be Affected by Health Reform? Children Timely Analysis of Immediate Health Policy Issues August 2009 Lisa Dubay, Allison Cook and Bowen Garrett How Will Uninsured Children be Affected

More information

Health Policy Online Timely Analyses of Current Trends and Policy Options

Health Policy Online Timely Analyses of Current Trends and Policy Options Health Policy Online Timely Analyses of Current Trends and Policy Options URBAN INSTITUTE No. 2 Could Subsidizing COBRA Health Insurance Coverage Help Most Low-income Unemployed? By Stephen Zuckerman,

More information

Massachusetts has garnered national attention recently for its bipartisan

Massachusetts has garnered national attention recently for its bipartisan Promising Elements of the Massachusetts Approach: A Health Insurance Pool, Individual Mandates, and Federal Tax Subsidies by President Institute for Health Policy Solutions Massachusetts has garnered national

More information

Health Care in Rural America

Health Care in Rural America Health Care in Rural America Health care in rural communities has many aspects access to physicians, dentists, nurses, and mental health services; the financial circumstances of rural hospitals; federal

More information

August 2008. Comparing Federal Government Surveys that Count Uninsured People in America

August 2008. Comparing Federal Government Surveys that Count Uninsured People in America Comparing Federal Government Surveys that Count Uninsured People in America Comparing Federal Government Surveys that Count Uninsured People in America The number of Americans who don t have health insurance

More information

Sources of Health Insurance and Characteristics of the Uninsured: Analysis of the March 2010 Current Population Survey

Sources of Health Insurance and Characteristics of the Uninsured: Analysis of the March 2010 Current Population Survey September 2010 No. 347 Sources of Health Insurance and Characteristics of the Uninsured: Analysis of the March 2010 Current Population Survey By Paul Fronstin, Employee Benefit Research Institute LATEST

More information

Age Rating Under Comprehensive Health Care Reform: Implications for Coverage, Costs, and Household Financial Burdens

Age Rating Under Comprehensive Health Care Reform: Implications for Coverage, Costs, and Household Financial Burdens Age Rating Under Comprehensive Health Care Reform: Implications for Coverage, Costs, and Household Financial Burdens Timely Analysis of Immediate Health Policy Issues October 2009 Linda J. Blumberg, Matthew

More information

Lynn A. Blewett, Ph.D. Professor, University of Minnesota

Lynn A. Blewett, Ph.D. Professor, University of Minnesota Lynn A. Blewett, Ph.D. Professor, University of Minnesota Westlake Forum III Healthcare Reform in China and the US: Similarities, Differences and Challenges Emory University, Atlanta, GA April 10-12, 2011

More information

The Effects of Medicaid Expansions on Insurance Coverage of Children

The Effects of Medicaid Expansions on Insurance Coverage of Children 152 REVISITING THE ISSUES The Effects of Medicaid Expansions on Insurance Coverage of Children Lisa C. Dubay Genevieve M. Kenney Lisa C. Dubay, Sc.M., is senior research associate at the Health Policy

More information

Sources of Health Insurance and Characteristics of the Uninsured: Analysis of the March 2013 Current Population Survey

Sources of Health Insurance and Characteristics of the Uninsured: Analysis of the March 2013 Current Population Survey September 2013 No. 390 Sources of Health Insurance and Characteristics of the Uninsured: Analysis of the March 2013 Current Population Survey By Paul Fronstin, Ph.D., Employee Benefit Research Institute

More information

A Helping Hand For New York s Small Businesses. Health Insurance Tax Credits

A Helping Hand For New York s Small Businesses. Health Insurance Tax Credits A Helping Hand For New York s Small Businesses Health Insurance Tax Credits A Helping Hand for New York s Small Businesses: Health Insurance Tax Credits A Report from Families USA and Small Business Majority

More information

Oregon Health Fund Board

Oregon Health Fund Board Oregon Health Fund Board INITIAL ECONOMETRIC MODELING FOR THE OREGON HEALTH FUND BOARD Final Report February 2009 SUMMARY The Oregon Health Fund Board worked with consultants from the Massachusetts Institute

More information

Sources of Health Insurance and Characteristics of the Uninsured: Analysis of the March 2012 Current Population Survey

Sources of Health Insurance and Characteristics of the Uninsured: Analysis of the March 2012 Current Population Survey September 2012 No. 376 Sources of Health Insurance and Characteristics of the Uninsured: Analysis of the March 2012 Current Population Survey By Paul Fronstin, Ph.D., Employee Benefit Research Institute

More information

Comparing 2010 SIPP and 2013 CPS Content Test Health Insurance Offer and Take-Up Rates 1. Hubert Janicki U.S Census Bureau, Washington D.

Comparing 2010 SIPP and 2013 CPS Content Test Health Insurance Offer and Take-Up Rates 1. Hubert Janicki U.S Census Bureau, Washington D. Comparing 2010 SIPP and 2013 CPS Content Test Health Insurance Offer and Take-Up Rates 1 Hubert Janicki U.S Census Bureau, Washington D.C Abstract This brief compares employment-based health insurance

More information

Figure 1. Majority of U.S. Workers Get Health Insurance Through Employers, 2007

Figure 1. Majority of U.S. Workers Get Health Insurance Through Employers, 2007 Figure 1. Majority of U.S. Workers Get Health Insurance Through Employers, 27 Other coverage* 9% Uninsured 14% Public programs 5% Own employer coverage 56% Other employer coverage 16% 122.2 Million Full-

More information

Tax Subsidies For Health Insurance: Costs And Benefits

Tax Subsidies For Health Insurance: Costs And Benefits I n s u r a n c e C o v e r a g e Tax Subsidies For Health Insurance: Costs And Benefits Even the most effective tax subsidies would cost almost $40 billion a year and cover only 30 percent of the uninsured.

More information

Changes in Health Insurance Coverage in the Great Recession, 2007-2010 John Holahan and Vicki Chen The Urban Institute Executive Summary

Changes in Health Insurance Coverage in the Great Recession, 2007-2010 John Holahan and Vicki Chen The Urban Institute Executive Summary I S S U E P A P E R kaiser commission on medicaid and the uninsured Changes in Health Insurance Coverage in the Great Recession, 2007-2010 John Holahan and Vicki Chen The Urban Institute Executive Summary

More information

Choice Of Health Insurance And The Two-Worker Household by Claudia L. Schur and Amy K. Taylor

Choice Of Health Insurance And The Two-Worker Household by Claudia L. Schur and Amy K. Taylor DataWatch Choice Of Health Insurance And The Two-Worker Household by Claudia L. Schur and Amy K. Taylor The past decade has seen a dramatic rise in the number of families in which both the husband and

More information

RUPRI Center for Rural Health Policy Analysis Rural Policy Brief

RUPRI Center for Rural Health Policy Analysis Rural Policy Brief RUPRI Center for Rural Health Policy Analysis Rural Policy Brief Brief No. 2009-5 June 2009 www.unmc.edu/ruprihealth A Rural-Urban Comparison of a Building Blocks Approach to Covering the Uninsured By

More information

Expanding Health Insurance to the Uninsured in Kentucky: Estimating Participants and Costs

Expanding Health Insurance to the Uninsured in Kentucky: Estimating Participants and Costs Expanding Health Insurance to the Uninsured in Kentucky: Steven N. Allen Many states have recently offered health insurance benefits to low-income populations who have previously been uninsured or underinsured.

More information

Health Policy Online Timely Analyses of Current Trends and Policy Options URBAN INSTITUTE No. 14

Health Policy Online Timely Analyses of Current Trends and Policy Options URBAN INSTITUTE No. 14 Health Policy Online Timely Analyses of Current Trends and Policy Options URBAN INSTITUTE No. 14 Why Do People Lack Health Insurance? John A. Graves and Sharon K. Long The Urban Institute This brief was

More information

PUBLIC HEALTH INSURANCE EXPANSIONS FOR PARENTS: EVIDENCE FROM WISCONSIN

PUBLIC HEALTH INSURANCE EXPANSIONS FOR PARENTS: EVIDENCE FROM WISCONSIN PUBLIC HEALTH INSURANCE EXPANSIONS FOR PARENTS: EVIDENCE FROM WISCONSIN Jason R. Davis, University of Wisconsin Stevens Point ABSTRACT The State Children s Health Insurance Program federal legislation

More information

FEDERAL GOVERNMENT WILL PICK UP NEARLY ALL COSTS OF HEALTH REFORM S MEDICAID EXPANSION By January Angeles and Matthew Broaddus

FEDERAL GOVERNMENT WILL PICK UP NEARLY ALL COSTS OF HEALTH REFORM S MEDICAID EXPANSION By January Angeles and Matthew Broaddus 820 First Street NE, Suite 510 Washington, DC 20002 Tel: 202-408-1080 Fax: 202-408-1056 center@cbpp.org www.cbpp.org Updated March 28, 2012 FEDERAL GOVERNMENT WILL PICK UP NEARLY ALL COSTS OF HEALTH REFORM

More information

Full-Time Poor and Low Income Workers: Demographic Characteristics and Trends in Health Insurance Coverage, 1996 97 to 2005 06

Full-Time Poor and Low Income Workers: Demographic Characteristics and Trends in Health Insurance Coverage, 1996 97 to 2005 06 MEPS Chartbook No. 18 Medical Expenditure Panel Survey Full-Time Poor and Low Income Workers: Demographic Characteristics and Trends in Health Insurance Coverage, 1996 97 to 2005 06 Agency for Healthcare

More information

ISSUE BRIEF WHITHER EMPLOYER-BASED HEALTH INSURANCE? THE CURRENT AND FUTURE ROLE OF U.S. COMPANIES IN THE PROVISION AND FINANCING OF HEALTH INSURANCE

ISSUE BRIEF WHITHER EMPLOYER-BASED HEALTH INSURANCE? THE CURRENT AND FUTURE ROLE OF U.S. COMPANIES IN THE PROVISION AND FINANCING OF HEALTH INSURANCE ISSUE BRIEF WHIR EMPLOYER-BASED HEALTH INSURANCE? CURRENT AND FUTURE ROLE OF U.S. COMPANIES IN PROVISION AND FINANCING OF HEALTH INSURANCE Sara R. Collins, Chapin White, and Jennifer L. Kriss The Commonwealth

More information

MEDICAID EXPANSION IN HEALTH REFORM NOT LIKELY TO CROWD OUT PRIVATE INSURANCE by Matthew Broaddus and January Angeles

MEDICAID EXPANSION IN HEALTH REFORM NOT LIKELY TO CROWD OUT PRIVATE INSURANCE by Matthew Broaddus and January Angeles 820 First Street NE, Suite 510 Washington, DC 20002 Tel: 202-408-1080 Fax: 202-408-1056 center@cbpp.org www.cbpp.org June 22, 2010 MEDICAID EXPANSION IN HEALTH REFORM NOT LIKELY TO CROWD OUT PRIVATE INSURANCE

More information

This PDF is a selection from a published volume from the National Bureau of Economic Research. Volume Title: Tax Policy and the Economy, Volume 19

This PDF is a selection from a published volume from the National Bureau of Economic Research. Volume Title: Tax Policy and the Economy, Volume 19 This PDF is a selection from a published volume from the National Bureau of Economic Research Volume Title: Tax Policy and the Economy, Volume 19 Volume Author/Editor: James M. Poterba, editor Volume Publisher:

More information

Sources of Health Insurance Coverage: A Look at Changes Between 2013 and 2014 from the March 2014 and 2015 Current Population Survey

Sources of Health Insurance Coverage: A Look at Changes Between 2013 and 2014 from the March 2014 and 2015 Current Population Survey October 2015 No. 419 Sources of Health Insurance Coverage: A Look at Changes Between 2013 and 2014 from the March 2014 and 2015 Current Population Survey By Paul Fronstin, Ph.D., Employee Benefit Research

More information

Issue Brief. What Will Be the Impact of the Employer Mandate on the U.S. Workforce? The COMMONWEALTH FUND. Sherry Glied and Claudia Solís-Román

Issue Brief. What Will Be the Impact of the Employer Mandate on the U.S. Workforce? The COMMONWEALTH FUND. Sherry Glied and Claudia Solís-Román Issue Brief OCTOBER 2014 The COMMONWEALTH FUND What Will Be the Impact of the Employer Mandate on the U.S. Workforce? Sherry Glied and Claudia Solís-Román The mission of The Commonwealth Fund is to promote

More information

Tracking Report. Trends in Health Insurance Coverage and Access Among Black, Latino and White Americans, 2001-2003 LOW-INCOME LATINOS AND WHITES LOSE

Tracking Report. Trends in Health Insurance Coverage and Access Among Black, Latino and White Americans, 2001-2003 LOW-INCOME LATINOS AND WHITES LOSE I N S U R A N C E C O V E R A G E & C O S T S Tracking Report RESULTS FROM THE COMMUNITY TRACKING STUDY NO. 11 OCTOBER 004 Trends in Health Insurance Coverage and Access Among Black, Latino and White Americans,

More information

kaiser medicaid uninsured commission on Health Insurance Coverage of the Near Elderly Prepared by John Holahan, Ph.D. The Urban Institute and the

kaiser medicaid uninsured commission on Health Insurance Coverage of the Near Elderly Prepared by John Holahan, Ph.D. The Urban Institute and the kaiser commission on medicaid and the uninsured Health Insurance Coverage of the ear Elderly Prepared by John Holahan, Ph.D. The Urban Institute July 2004 kaiser commission medicaid uninsured and the The

More information

Health Insurance by Work Characteristics: 2006

Health Insurance by Work Characteristics: 2006 WASHINGTON STATE OFFICE OF FINANCIAL MANAGEMENT WASHINGTON STATE POPULATION SURVEY Research Brief No. 43 February 2007 A ccording to the 2006 Washington State Population Survey, 87 percent of nonelderly

More information

HEALTH INSURANCE CONNECTORS SHOULD BE DESIGNED TO SUPPLEMENT PUBLIC COVERAGE, NOT REPLACE IT By Judith Solomon

HEALTH INSURANCE CONNECTORS SHOULD BE DESIGNED TO SUPPLEMENT PUBLIC COVERAGE, NOT REPLACE IT By Judith Solomon 820 First Street NE, Suite 510 Washington, DC 20002 Tel: 202-408-1080 Fax: 202-408-1056 center@cbpp.org www.cbpp.org January 29, 2007 HEALTH INSURANCE CONNECTORS SHOULD BE DESIGNED TO SUPPLEMENT PUBLIC

More information

The Effect of the Affordable Care Act on the Labor Supply, Savings, and Social Security of Older Americans

The Effect of the Affordable Care Act on the Labor Supply, Savings, and Social Security of Older Americans The Effect of the Affordable Care Act on the Labor Supply, Savings, and Social Security of Older Americans Eric French University College London Hans-Martin von Gaudecker University of Bonn John Bailey

More information

U.S. TREASURY DEPARTMENT OFFICE OF ECONOMIC POLICY COBRA INSURANCE COVERAGE SINCE THE RECOVERY ACT: RESULTS FROM NEW SURVEY DATA

U.S. TREASURY DEPARTMENT OFFICE OF ECONOMIC POLICY COBRA INSURANCE COVERAGE SINCE THE RECOVERY ACT: RESULTS FROM NEW SURVEY DATA U.S. TREASURY DEPARTMENT OFFICE OF ECONOMIC POLICY COBRA INSURANCE COVERAGE SINCE THE RECOVERY ACT: RESULTS FROM NEW SURVEY DATA COBRA INSURANCE COVERAGE SINCE THE RECOVERY ACT: RESULTS FROM NEW SURVEY

More information

Tracking Report. Medical Bill Problems Steady for U.S. Families, 2007-2010 MEDICAL BILL PROBLEMS STABILIZE AS CONSUMERS CUT CARE

Tracking Report. Medical Bill Problems Steady for U.S. Families, 2007-2010 MEDICAL BILL PROBLEMS STABILIZE AS CONSUMERS CUT CARE I N S U R A N C E C O V E R A G E & C O S T S Tracking Report RESULTS FROM THE HEALTH TRACKING HOUSEHOLD SURVEY NO. 28 DECEMBER 2011 Medical Bill Problems Steady for U.S. Families, 2007-2010 By Anna Sommers

More information

ICI RESEARCH PERSPECTIVE

ICI RESEARCH PERSPECTIVE ICI RESEARCH PERSPECTIVE 1401 H STREET, NW, SUITE 1200 WASHINGTON, DC 20005 202-326-5800 WWW.ICI.ORG OCTOBER 2014 VOL. 20, NO. 6 WHAT S INSIDE 2 Introduction 2 Which Workers Want Retirement Benefits? 2

More information

Sources of Health Insurance Coverage in Georgia 2007-2008

Sources of Health Insurance Coverage in Georgia 2007-2008 Sources of Health Insurance Coverage in Georgia 2007-2008 Tabulations of the March 2008 Annual Social and Economic Supplement to the Current Population Survey and The 2008 Georgia Population Survey William

More information

Health Insurance Coverage for Direct Care Workers: Key Provisions for Reform

Health Insurance Coverage for Direct Care Workers: Key Provisions for Reform Health Insurance Coverage for Direct Care Workers: Key Provisions for Reform Introduction As an organization dedicated to our nation s 3 million direct-care workers and the millions of elders and people

More information

Health Insurance by Work Characteristics: 2008

Health Insurance by Work Characteristics: 2008 2008 WASHINGTON STATE POPULATION SURVEY Research Brief No. 55 May 2009 B ased on the 2008 Washington State Population Survey, 84 percent of nonelderly adults (aged 19 to 64) 1 had some form of health insurance

More information

Can the President s Health Care Tax Proposal Serve as an Effective Substitute for SCHIP Expansion?

Can the President s Health Care Tax Proposal Serve as an Effective Substitute for SCHIP Expansion? Can the President s Health Care Tax Proposal Serve as an Effective Substitute for SCHIP Expansion? Timely Analysis of Immediate Health Policy Issues October 2007 By: Linda J. Blumberg Summary The Bush

More information

STATE CONSIDERATIONS ON ADOPTING HEALTH REFORM S BASIC HEALTH OPTION Federal Guidance Needed for States to Fully Assess Option by January Angeles

STATE CONSIDERATIONS ON ADOPTING HEALTH REFORM S BASIC HEALTH OPTION Federal Guidance Needed for States to Fully Assess Option by January Angeles 820 First Street NE, Suite 510 Washington, DC 20002 Tel: 202-408-1080 Fax: 202-408-1056 center@cbpp.org www.cbpp.org March 13, 2012 STATE CONSIDERATIONS ON ADOPTING HEALTH REFORM S BASIC HEALTH OPTION

More information

Employment-Based Health Insurance: 2010

Employment-Based Health Insurance: 2010 Employment-Based Health Insurance: 2010 Household Economic Studies Hubert Janicki Issued February 2013 P70-134 INTRODUCTION More than half of the U.S. population (55.1 percent) had employment-based health

More information

C A LIFORNIA HEALTHCARE FOUNDATION. s n a p s h o t California s Uninsured

C A LIFORNIA HEALTHCARE FOUNDATION. s n a p s h o t California s Uninsured C A LIFORNIA HEALTHCARE FOUNDATION s n a p s h o t 2008 Introduction Over the past 20 years, the percent of uninsured Californians under age 65 has continued to rise as employer-sponsored health insurance

More information

Changes in Employer-Sponsored Health Insurance Sponsorship, Eligibility, and Participation: 2001 to 2005

Changes in Employer-Sponsored Health Insurance Sponsorship, Eligibility, and Participation: 2001 to 2005 Changes in Employer-Sponsored Health Insurance Sponsorship, Eligibility, and Participation: 2001 to 2005 December 2006 Lisa Clemans-Cope, Ph.D. The Urban Institute Bowen Garrett, Ph.D. The Urban Institute

More information

An important challenge in designing policy

An important challenge in designing policy Health Insurance for Children Balancing Efficiency and Equity in the Design of Coverage Expansions for Children Linda J. Blumberg An important challenge in designing policy initiatives to address the problem

More information

Health Insurance Coverage: Estimates from the National Health Interview Survey, 2004

Health Insurance Coverage: Estimates from the National Health Interview Survey, 2004 Health Insurance Coverage: Estimates from the National Health Interview Survey, 2004 by Robin A. Cohen, Ph.D., and Michael E. Martinez, M.P.H., Division of Health Interview Statistics, National Center

More information

Cover Missouri Project: Report 9. Increasing Health Insurance Coverage in Missouri Through Subsidies

Cover Missouri Project: Report 9. Increasing Health Insurance Coverage in Missouri Through Subsidies MISSOURI FOUNDATION FOR HEALTH Cover Missouri Project: Report 9 Increasing Health Insurance Coverage in Missouri Through Subsidies MISSOURI FOUNDATION FOR HEALTH About MFH Established in 2000, the Missouri

More information

Tax Credits for Health Insurance

Tax Credits for Health Insurance Tax Policy Issues and Options URBAN BROOKINGS TAX POLICY CENTER No. 11, June 2005 Tax Credits for Health Insurance Leonard E. Burman and Jonathan Gruber The tax system may not be the most efficient way

More information

Data Bulletin Findings from the Medical Expenditure Panel Survey Insurance Component

Data Bulletin Findings from the Medical Expenditure Panel Survey Insurance Component Data Bulletin Findings from the Medical Expenditure Panel Survey Insurance Component Employer Sponsored Health Insurance Coverage in Ohio, 2000 By Dave Dorsky Center for Public Health Data and Statistics

More information

For More Information

For More Information CHILDREN AND FAMILIES EDUCATION AND THE ARTS ENERGY AND ENVIRONMENT HEALTH AND HEALTH CARE INFRASTRUCTURE AND TRANSPORTATION INTERNATIONAL AFFAIRS LAW AND BUSINESS NATIONAL SECURITY POPULATION AND AGING

More information

75 Washington Ave. Suite 206 Portland, ME 04101. (207) 767-6440 www.marketdecisions.com

75 Washington Ave. Suite 206 Portland, ME 04101. (207) 767-6440 www.marketdecisions.com 75 Washington Ave. Suite 206 Portland, ME 04101 (207) 767-6440 www.marketdecisions.com Comprehensive Report 2014 Vermont Household Health Insurance Survey Vermont Department of Regulation, Insurance Division

More information

Health Policy Brief. what s the issue? what s the background? november 15, 2012

Health Policy Brief. what s the issue? what s the background? november 15, 2012 www.healthaffairs.org 1 Health Policy Brief november 15, 2012 Basic Health Program. The Affordable Care Act offers states another option besides Medicaid and the exchanges for health coverage for low-income

More information

california Health Care Almanac California s Uninsured

california Health Care Almanac California s Uninsured california Health Care Almanac december 2011 Introduction Over the past two decades, California has seen an increase in the percentage of people who are uninsured. California now has the largest number

More information

A Hand Up: An Earned Income Credit Will Help Working Families

A Hand Up: An Earned Income Credit Will Help Working Families A Hand Up: An Earned Income Credit Will Help Working Families (revised January, 2008) Michael Wood and Sharon Ward Pennsylvania Budget and Policy Center The Pennsylvania House of Representatives is considering

More information

Health Reform Monitoring Survey -- Texas

Health Reform Monitoring Survey -- Texas Health Reform Monitoring Survey -- Texas Issue Brief #1: Were Texans Satisfied with the Cost of Health Care and Health Insurance Prior to the Affordable Care Act? February 10, 2014 Vivian Ho, PhD, Elena

More information

Health. for Life. Nearly one in five people under age. Health Coverage for All Paid for by All. Better Health Care

Health. for Life. Nearly one in five people under age. Health Coverage for All Paid for by All. Better Health Care Health for Life Better Health Better Health Care National Framework for Change Health Coverage for All Paid for by All Focus on We llness Health Coverage for All Paid for by All Nearly one in five people

More information

Employer-sponsored insurance (ESI) is the dominant source of health insurance for the non-elderly population in

Employer-sponsored insurance (ESI) is the dominant source of health insurance for the non-elderly population in ISSUE BRIEF Economic Policy Institute l Issue Brief #258 July 22, 2009 Health Care Reform Big Benefits for Small Businesses by Josh bivens, Elise Gould, and Alexander hertel-fernandez Employer-sponsored

More information

Uninsured Children with Access to Employer-Based Coverage. Mark Merlis Prepared with support from the David and Lucile Packard Foundation

Uninsured Children with Access to Employer-Based Coverage. Mark Merlis Prepared with support from the David and Lucile Packard Foundation IHPS UNINSURED CHILDREN WITH ACCESS TO EMPLOYER-BASED COVERAGE - 1 INSTITUTE FOR HEALTH POLICY SOLUTIONS Uninsured Children with Access to Employer-Based Coverage Mark Merlis Prepared with support from

More information

MASSACHUSETTS UNDER THE AFFORDABLE CARE ACT: EMPLOYER-RELATED ISSUES AND POLICY OPTIONS

MASSACHUSETTS UNDER THE AFFORDABLE CARE ACT: EMPLOYER-RELATED ISSUES AND POLICY OPTIONS MASSACHUSETTS UNDER THE AFFORDABLE CARE ACT: EMPLOYER-RELATED ISSUES AND POLICY OPTIONS JULY 2012 Fredric Blavin, Linda J. Blumberg, Matthew Buettgens, and Jeremy Roth of the Urban Institute ABOUT THE

More information

Introduction to Health Insurance Policy

Introduction to Health Insurance Policy Introduction to Health Insurance Policy Len Nichols, Ph.D. Director, Health Policy Program New America Foundation National Health Policy Forum February 21, 2008 Washington, DC 1 Overview Insurance as a

More information

Under current tax law, health insurance premiums are largely taxexempt

Under current tax law, health insurance premiums are largely taxexempt The Cost Of Tax-Exempt Health Benefits In 2004 Tax policies for health insurance will cost the federal government $188.5 billion in lost revenue in 2004, and most of the benefit goes to those with the

More information

The Health Reform Monitoring Survey (HRMS): A Rapid Cycle Tool for Monitoring Coverage and Access Changes for Children under the ACA

The Health Reform Monitoring Survey (HRMS): A Rapid Cycle Tool for Monitoring Coverage and Access Changes for Children under the ACA The Health Reform Monitoring Survey (HRMS): A Rapid Cycle Tool for Monitoring Coverage and Access Changes for Children under the ACA Genevieve M. Kenney Urban Institute The Affordable Care Act 2014 components

More information

HEALTH INSURANCE ON THE WAY TO MEDICARE: IS SPECIAL GOVERNMENT ASSISTANCE WARRANTED?

HEALTH INSURANCE ON THE WAY TO MEDICARE: IS SPECIAL GOVERNMENT ASSISTANCE WARRANTED? HEALTH INSURANCE ON THE WAY TO MEDICARE: IS SPECIAL GOVERNMENT ASSISTANCE WARRANTED? Pamela Farley Short, Dennis G. Shea, and M. Paige Powell The Pennsylvania State University July 2001 The authors are

More information

Health Policy Briefs. Health Insurance Tax Credits: Potential for Expanding Coverage THE URBAN INSTITUTE. Linda J. Blumberg

Health Policy Briefs. Health Insurance Tax Credits: Potential for Expanding Coverage THE URBAN INSTITUTE. Linda J. Blumberg Health Policy Briefs THE URBAN INSTITUTE No. 1, August 2001 Health Insurance Tax Credits: Potential for Expanding Coverage Linda J. Blumberg The question is not whether coverage reforms should include

More information

Health-Insurance Coverage Rates for US Workers, 1979-2008

Health-Insurance Coverage Rates for US Workers, 1979-2008 Health-Insurance Coverage Rates for US Workers, 1979-2008 Hye Jin Rho and John Schmitt March 2010 Center for Economic and Policy Research 1611 Connecticut Avenue, NW, Suite 400 Washington, D.C. 20009 202-293-5380

More information

Changes in Family Health Insurance Coverage for Small and Large Firm Workers and Dependents: Evidence from 1995 to 2005

Changes in Family Health Insurance Coverage for Small and Large Firm Workers and Dependents: Evidence from 1995 to 2005 Changes in Family Health Insurance Coverage for Small and Large Firm Workers and Dependents: Evidence from 1995 to 2005 by Eric E. Seiber Curtis S. Florence Columbus, OH 43210 for Under contract no. SBAHQ-06-M-0513

More information

Achieving Universal Coverage through Comprehensive Health Reform: The Vermont Experience

Achieving Universal Coverage through Comprehensive Health Reform: The Vermont Experience Achieving Universal Coverage through Comprehensive Health Reform: The Vermont Experience Year 1 Preliminary Findings Presentation to State Health Research and Policy Interest Group (SIG) Meeting June 2009

More information

Covering the Uninsured Through DC Health Link: Report on the First Year

Covering the Uninsured Through DC Health Link: Report on the First Year Covering the Uninsured Through DC Health Link: Report on the First Year Uninsured rate drops by as much as 43 percent in the District By Leighton Ku, PhD, MPH* December 26, 2014 *This analysis was conducted

More information

Medicaid Crowd-Out of Long-Term Care Insurance With Endogenous Medicaid Enrollment

Medicaid Crowd-Out of Long-Term Care Insurance With Endogenous Medicaid Enrollment Medicaid Crowd-Out of Long-Term Care Insurance With Endogenous Medicaid Enrollment Geena Kim University of Pennsylvania 12th Annual Joint Conference of the Retirement Research Consortium August 5-6, 2010

More information

Health Coverage for the Hispanic Population Today and Under the Affordable Care Act

Health Coverage for the Hispanic Population Today and Under the Affordable Care Act on on medicaid and and the the uninsured Health Coverage for the Population Today and Under the Affordable Care Act April 2013 Over 50 million s currently live in the United States, comprising 17 percent

More information

MEDICAID AND SCHIP PROTECTED INSURANCE COVERAGE FOR MILLIONS OF LOW-INCOME AMERICANS. by Leighton Ku, Matt Broaddus and Victoria Wachino

MEDICAID AND SCHIP PROTECTED INSURANCE COVERAGE FOR MILLIONS OF LOW-INCOME AMERICANS. by Leighton Ku, Matt Broaddus and Victoria Wachino ( 820 First Street, NE, Suite 510, Washington, DC 20002 Tel: 202-408-1080 Fax: 202-408-1056 center@cbpp.org www.cbpp.org January 31, 2005 MEDICAID AND SCHIP PROTECTED INSURANCE COVERAGE FOR MILLIONS OF

More information

Statistical Brief #10 Differentials in Employment-Related Health Insurance Coverage 2000

Statistical Brief #10 Differentials in Employment-Related Health Insurance Coverage 2000 Statistical Brief #10 Differentials in Employment-Related Health Insurance Coverage 2000 By Beth Levin Crimmel, M.S. Introduction Health insurance received through an employer is the source of that coverage

More information

PRESIDENT PROPOSES TO MAKE TAX BENEFITS OF HEALTH SAVINGS ACCOUNTS MORE LUCRATIVE FOR HIGHER-INCOME INDIVIDUALS

PRESIDENT PROPOSES TO MAKE TAX BENEFITS OF HEALTH SAVINGS ACCOUNTS MORE LUCRATIVE FOR HIGHER-INCOME INDIVIDUALS 820 First Street, NE, Suite 510, Washington, DC 20002 Tel: 202-408-1080 Fax: 202-408-1056 center@cbpp.org www.cbpp.org Revised February 9, 2004 PRESIDENT PROPOSES TO MAKE TAX BENEFITS OF HEALTH SAVINGS

More information

DOCUMENTATION AND BENCHMARKING OF HEALTH INSURANCE MEASURES IN THE HEALTH AND RETIREMENT STUDY

DOCUMENTATION AND BENCHMARKING OF HEALTH INSURANCE MEASURES IN THE HEALTH AND RETIREMENT STUDY DOCUMENTATION AND BENCHMARKING OF HEALTH INSURANCE MEASURES IN THE HEALTH AND RETIREMENT STUDY Prepared by Helen Levy and Italo Gutierrez August 2009 HRS Health Insurance Documentation and Benchmarking

More information

GAO HEALTH INSURANCE. Proposals for Expanding Private and Public Coverage. Testimony. Before the Committee on Finance, U.S. Senate

GAO HEALTH INSURANCE. Proposals for Expanding Private and Public Coverage. Testimony. Before the Committee on Finance, U.S. Senate GAO United States General Accounting Office Testimony Before the Committee on Finance, U.S. Senate For Release on Delivery Expected at 2:30 p.m. Thursday, March 15, 2001 HEALTH INSURANCE Proposals for

More information

Single Payer Systems: Equity in Access to Care

Single Payer Systems: Equity in Access to Care Single Payer Systems: Equity in Access to Care Lynn A. Blewett University of Minnesota, School of Public Health The True Workings of Single Payer Systems: Lessons or Warnings for U.S. Reform Journal of

More information

MORE AMERICANS, INCLUDING MORE CHILDREN, NOW LACK HEALTH INSURANCE

MORE AMERICANS, INCLUDING MORE CHILDREN, NOW LACK HEALTH INSURANCE 820 First Street NE, Suite 510 Washington, DC 20002 Tel: 202-408-1080 Fax: 202-408-1056 center@cbpp.org www.cbpp.org Revised August 31, 2007 MORE AMERICANS, INCLUDING MORE CHILDREN, NOW LACK HEALTH INSURANCE

More information

ASSESSING THE RESULTS

ASSESSING THE RESULTS HEALTH REFORM IN MASSACHUSETTS EXPANDING TO HEALTH INSURANCE ASSESSING THE RESULTS March 2014 Health Reform in Massachusetts, Expanding Access to Health Insurance Coverage: Assessing the Results pulls

More information

Quality, Affordable Health Coverage For Every Missourian. Defining Affordable Health Care for Missouri

Quality, Affordable Health Coverage For Every Missourian. Defining Affordable Health Care for Missouri Quality, Affordable Health Coverage For Every Missourian Defining Affordable Health Care for Missouri Fall 2008 Table of Contents Introduction... 5 Toward a Definition of Affordability..........................................5

More information

Health Insurance Coverage: Estimates from the National Health Interview Survey, 2005

Health Insurance Coverage: Estimates from the National Health Interview Survey, 2005 Health Insurance Coverage: Estimates from the National Health Interview Survey, 2005 by Robin A. Cohen, Ph.D., and Michael E. Martinez, M.P.H., Division of Health Interview Statistics, National Center

More information

Health Insurance Coverage in the U.S. The New Census Bureau Numbers for 2000 and The Trend into 2001

Health Insurance Coverage in the U.S. The New Census Bureau Numbers for 2000 and The Trend into 2001 Health Insurance Coverage in the U.S. The New Census Bureau Numbers for 2000 and The Trend into 2001 A brief analysis from The National Institute for Health Care Management Foundation September 26, 2001

More information

STATISTICAL BRIEF #40

STATISTICAL BRIEF #40 Medical Expenditure Panel Survey STATISTICAL BRIEF #40 Agency for Healthcare Research and Quality May 2004 Health Insurance Coverage and Income Levels for the U.S. Noninstitutionalized Population under

More information

The Massachusetts Health Reform Law: Public Opinion and Perception

The Massachusetts Health Reform Law: Public Opinion and Perception The Massachusetts Health Reform Law: Public Opinion and Perception A REPORT FOR THE BLUE CROSS BLUE SHIELD OF MASSACHUSETTS FOUNDATION November 2006 Robert J. Blendon Tami Buhr Channtal Fleischfresser

More information

Health Insurance Coverage in California under the Affordable Care Act

Health Insurance Coverage in California under the Affordable Care Act California Simulation of Insurance Markets (CalSIM) Version 1.7 CalSIM California Simulation of Insurance Markets e California Simulation of Insurance Markets (CalSIM) model is designed to estimate the

More information

KANSAS HEALTH POLICY AUTHORITY LEGISLATIVE COORDINATING COUNCIL STUDIES #13 Young Adult Policy Options and #15 Small Business Health Reform Options

KANSAS HEALTH POLICY AUTHORITY LEGISLATIVE COORDINATING COUNCIL STUDIES #13 Young Adult Policy Options and #15 Small Business Health Reform Options KANSAS HEALTH POLICY AUTHORITY LEGISLATIVE COORDINATING COUNCIL STUDIES #13 Young Adult Policy Options and #15 Small Business Health Reform Options INTRODUCTION In 2008, the Kansas Legislature s Joint

More information

HEALTH INSURANCE COVERAGE OF WORKING-AGE ADULTS

HEALTH INSURANCE COVERAGE OF WORKING-AGE ADULTS HEALTH INSURANCE COVERAGE OF WORKING-AGE ADULTS One-Third of Working-Age Adults Were Currently Uninsured or Had a Recent Gap* Currently Uninsured 19% Recent Gap* 13% Continuously Insured 68% 164 million

More information

How much would it cost to cover the uninsured in Minnesota? Preliminary Estimates Minnesota Department of Health, Health Economics Program July 2006

How much would it cost to cover the uninsured in Minnesota? Preliminary Estimates Minnesota Department of Health, Health Economics Program July 2006 How much would it cost to cover the uninsured in Minnesota? Preliminary Estimates Minnesota Department of Health, Health Economics Program July 2006 Executive Summary This background paper, prepared by

More information

Health Insurance Coverage, Poverty, and Income of Veterans: 2000 to 2009

Health Insurance Coverage, Poverty, and Income of Veterans: 2000 to 2009 Health Insurance Coverage, Poverty, and Income of Veterans: 2 to 29 February 211 NCVAS National Center for Veterans Analysis and Statistics Data Source and Methods Data for this analysis come from years

More information