Health Costs

Employer Health Benefits 2003 Annual SurveyView All Charts for This Section Monthly Premium Costs of Single and Family CoverageIn 2003, average monthly premiums for single and family coverage (including worker and employer share of premium) are $282 and $756 respectively (Exhibit 1.12). The cost of family coverage is now nearly…

On October 5, 2003, Governor Gray Davis signed into law the California Health Insurance Act of 2003 (also referred to as SB2). This law would require employers with 200 or more workers to either pay into a fund that will provide coverage to their workers or to pay for 80%…

Kaiser/HRET Survey: 2002 State Employee Health PlansState employee health plans provided coverage for 3.4 million state government employees in 2002. The Kaiser/HRET Survey: 2002 State Employee Health Plans finds that premiums for state employee health plans increased 12.8% in 2002, similar to national averages. It also finds that state employee…

A new study by researchers at Harvard University and the Massachusetts Institute of Technology looks at the effect of direct-to-consumer (DTC) advertising on spending for prescription drugs. The study found that, on average, a 10% increase in DTC advertising of drugs within a therapeutic drug class resulted in a 1% increase in sales of the drugs in that class.

The rapid increase in DTC advertising for prescription drugs has focused attention on its role in drug spending and prescribing. A new study by researchers at Harvard University and the Massachusetts Institute of Technology looks at the effect of direct-to-consumer (DTC) advertising on spending for prescription drugs. The study found…

Central to the current debate over Medicare prescription drug coverage is the role of private insurance plans in providing drug benefits to Medicare beneficiaries. This report offers views from health actuaries knowledgeable about the Medicare program and the prescription drug debate on key issues that emerge for potential plan sponsors,…

This report provides a basic description of the Federal Employees Health Benefits Program's (FEHBP) structure, benefits, financing, and operations. The report also assesses FEHBP's recent performance in a variety of areas, including cost increases, benefit changes, access to providers, and risk selection. It concludes with a brief discussion of the…

Tricia Neuman, Vice President and Director of the Medicare Policy Project, testified on behalf of herself and Thomas Rice, Ph.D., of UCLA’s School of Public Health, before the House Ways and Means Subcommittee on Health on cost-sharing requirements under Medicare and supplemental Medigap policies. The statement reviews Medicare beneficiaries’ current…

Understanding how Medicare+Choice (M+C) plans manage their drug benefits may generate important lessons for Medicare. This report, based on interviews with both national and regional managed care firms, provides an in-depth look at how plans have managed their M+C outpatient pharmacy benefits in recent years. Findings show that plans rely…

Regulation of Private Long-Term Care Insurance: Implementation Experience and Key IssuesWhile private long-term care insurance (LTCI) has been available since the mid-1970s, its popularity has grown rapidly in recent years, and Congress is considering proposals that would further encourage LTCI purchase through expanded tax subsidies. Yet there has been little…