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  • Snapshots: Compensation for Workers with and without Access to Health Benefits at Work

    Other Post

    A newer version of this Snapshot is available here. Compensation for Workers with and without Access to Health Benefits at Work  October 2008 This paper compares the payroll and benefit compensation of workers that had access to employer-sponsored health benefits at work to that of workers who did not have an insurance offer.  By analyzing compensation differences within occupations and establishment sizes for those with and without access to health benefits, we provide new information…

  • Testimony: State-Based Health Reform Efforts

    Event

    On June 16, 2008, Kaiser Family Foundation Vice President Gary Claxton testified about state-based health reform efforts as part of the Senate Finance Committee's Preparing For Launch Health Reform Summit. In his prepared testimony, he examined the role of Medicaid and the State Children's Health Insurance Program, as well as the way various federal laws and policies may limit innovation at the state level. Testimony (.pdf)

  • Snapshots: Offer Rates for Smaller Establishments by Business Age

    Issue Brief

    Employer-provided health insurance is the primary source of insurance coverage in the United States, covering almost 160 million people or more than 90 percent of the non-elderly privately-insured population.1 In recent years, the percentage of firms who offer such benefits has been falling; 69 percent offered health coverage benefits in 2000, whereas 60 percent did the same in 2007.2 Since employers are not required to offer health benefits to their employees, changes in the rate at which…

  • How Private Health Coverage Works: A Primer – 2008 Update

    Issue Brief

    How Private Health Coverage Works: A Primer— 2008 Update This primer explains the role and operations of private health coverage in the United States. Private health coverage is provided under a variety of different arrangements, including health insuring organizations regulated under state law and health plans sponsored by employers and employee organizations that operate under the federal Employee Retirement Income Security Act (ERISA). The primer discusses the fundamental aims of private health coverage and sorts out…

  • Health Affairs Article: Comparing the Assets of Uninsured Households to Cost Sharing Under High Deductible Health Plans

    Issue Brief

    Health Affairs Article: Comparing the Assets of Uninsured Households to Cost Sharing Under High Deductible Health Plans Relatively few uninsured households have enough financial assets to cover the cost-sharing in consumer-driven health plans tied to Health Savings Accounts (HSAs), according to this study by Kaiser Family Foundation researchers published as a Health Affairs Web Exclusive on April 15, 2008. Consumer-driven plans generally require enrollees to pay for most health-care expenses themselves until they reach the plan’s relatively high…

  • How Non-Group Health Coverage Varies With Income

    Report

    With some federal and state policy makers considering ways to encourage more people to purchase non-group, or individual, health care coverage, this new analysis by Kaiser Family Foundation researchers examines how often people at different income levels buy such coverage when they do not have access to employer coverage or do not obtain public coverage. The analysis finds that relatively few people at lower incomes purchase non-group coverage, with one in 20 purchasing it among…

  • Characteristics of Frequent Emergency Department Users

    Report

    The increased use of U.S. hospital emergency departments has received considerable attention from both the health care community and policymakers in recent years. This analysis from the Kaiser Family Foundation examines the demographic and health characteristics of people who frequently visit the emergency room to help understand why their utilization is so high. Using data from the nationally representative Medical Expenditures Panel Survey, the analysis finds that high emergency department users (those who made four…

  • Snapshots: How Changes in Medical Technology Affect Health Care Costs

    Issue Brief

    Health expenditures continue to grow very rapidly in the U.S.  Since 1970, health care spending has grown at an average annual rate of 9.8%, or about 2.5 percentage points faster than the economy as measured by the nominal gross domestic product (GDP).  Annual spending on health care increased from $75 billion in 1970 to $2.0 trillion in 2005, and is estimated to reach $4 trillion in 2015.  As a share of the economy, health care…

  • Health Affairs Article: Impact of State Tort Reforms on Physician Malpractice Payments

    Issue Brief

    A study in the March/April 2007 issue of Health Affairs analyzes the impact of state tort reforms on physician malpractice claims. The study finds that the tort law changes have had a measurable but limited impact on physician malpractice claims, depending on the type and strength of the tort reform. Commissioned by Kaiser, the study was authored by Teresa M. Waters of the University of Tennessee, and Peter P. Budetti of the University of Oklahoma, and Gary…

  • Snapshots: Effect of Tying Eligibility for Health Insurance Subsidies to the Federal Poverty Level

    Issue Brief

    Considerable attention has been paid in recent years to the rapid growth of health insurance premiums and its impact on coverage affordability. Premium growth has far outpaced growth in workers earnings, which means that workers have to spend more of their income each year on health care to maintain current coverage levels. Less attention has been given to the disconnection between the growing cost of health insurance and eligibility for health care subsidies in public…