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Deductible Relief Day: How Rising Deductibles are Affecting People with Employer Coverage
This analysis examines how health insurance deductibles are affecting consumers with employer-sponsored insurance. Deductibles have risen in recent years and become an increasingly prominent feature of job-based health plans. “Deductible Relief Day” refers to the date by which average spending for people with employer-sponsored health insurance is sufficient to satisfy the average deductible.
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Want to protect people with preexisting conditions? You need the full Affordable Care Act.
In this perspective published by the Washington Post, KFF Executive Vice President for Health Policy Larry Levitt explains why the popular Affordable Care Act provisions that ensure people with pre-existing conditions can access affordable health insurance can’t easily be preserved if other related provisions are overturned.
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2020 Health Insurance Marketplace Calculator
The Health Insurance Marketplace Calculator, updated with 2020 premium data, provides estimates of health insurance premiums and subsidies for people purchasing insurance on their own in health insurance exchanges (or “Marketplaces”) created by the Affordable Care Act (ACA). With this calculator, you can enter your income, age, and family size to estimate your eligibility for subsidies and how much you could spend on health insurance.
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Potential Costs of Coronavirus Treatment for People with Employer Coverage
As COVID-19 spreads within the United States, questions have arisen over the potential costs people may face if they become severely ill and need treatment. While many large insurers have agreed to waive copayments and deductibles for COVID-19 tests, people with private insurance who face deductibles could still be on…
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Coronavirus Response and the Affordable Care Act
This post examines the Affordable Care Act’s impact 10 years after its enactment and how its provisions, especially those that expand coverage opportunities, could address the health threat and economic upheaval caused by the coronavirus pandemic.
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What People (and Policymakers) Can Do About Losing Coverage During the COVID-19 Crisis
With unemployment claims rising amid the COVID-19 crisis, this post examines options for people who lose job-based coverage and steps policymakers could take to smooth their transitions.
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Employer Strategies to Reduce Health Costs and Improve Quality through Network Configuration
Released in conjunction with the 2019 Employer Health Benefits Survey, a new report on the Peterson-KFF Health System Tracker provides insight from focus groups on the current strategies companies are using to manage rising costs and improve quality of care when configuring provider networks.
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Lowering the Age of Medicare Eligibility Would Likely Reduce Health Spending for Employers, But Raise Costs for the Federal Government by Covering More People in Medicare
Two new KFF analyses find that lowering the age of Medicare eligibility from 65 to 60 could significantly reduce health spending for employers, who could potentially pass savings to employees in the form of lower premiums or higher wages. Additionally, per person health spending for older adults who move from…
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Changes in Income and Health Coverage Eligibility After Job Loss Due to COVID-19
This data note examines how job loss and income changes could affect people’s access to health coverage whether through work or through the ACA’s marketplaces and Medicaid.
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Free Coronavirus Testing for Privately Insured Patients?
While privately insured people are eligible to have the cost of coronavirus testing covered 100% by their health plan, that doesn’t mean that insured patients won’t be asked to pay up front for the cost of testing or that they can easily be reimbursed.
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