Healthcare Marketplace

Continuation of Research on Consumer Directed Health Plans: HSA Simulation Model Refinement . B. Current Study

In October of 2005, we contracted with OASPE to extend and refine the simulations that were performed under our prior contract. There were three major aspects to this work:

Continuation of Research on Consumer Directed Health Plans: HSA Simulation Model Refinement . A. Prior Study

In a previous report for the Office of the Assistant Secretary (QASPE) of the Department of Health and Human Services (DHHS), 3 we simulated the effect of the Medicare Modernization Act of 2003 (MMA) on take-up of HDHP in the individual health insurance market. High deductible health plans feature a large deductible coupled with a Health Saving

Continuation of Research on Consumer Directed Health Plans: HSA Simulation Model Refinement . I. Introduction

Consumer directed health plans (CDHPs) are recent development in the US health insurance market. Their principal economic aim is to make the consumer more engaged in health care purchasing decisions through the provision of an account from which medical services can be purchased. This system is tied to traditional indemnity insurance, usually

Continuation of Research on Consumer Directed Health Plans: HSA Simulation Model Refinement . Executive Summary

High-deductible health plans (HDHPs) are attracting attention from consumers, employers, and policy-makers. These plans couple a large out-of-pocket deductible with a tax-advantaged health savings account (HSA) that can be used to pay for eligible medical expenses. If an enrollee spends all of the dollars in the HSA in a given year, she then s

Continuation of Research on Consumer Directed Health Plans: HSA Simulation Model Refinement

The focus of this study was on the non-price program features that influence the enrollment of non-elderly adults into voluntary state and local programs that subsidize coverage or care. The study consisted of two phases -- Phase 1 was a literature review to assess the current state of knowledge regarding the impact of non-price design features

report.pdf
PDF

Eligible Uninsured Latinos: 8 in 10 Could Receive Health Insurance Marketplace Tax Credits, Medicaid or CHIP (Espanol)

rb_uninsuredLatinos_Espanol.pdf
PDF

Essential Health Benefits: Comparing Benefits in Small Group Products and State and Federal Employee Plans

From: Essential Health Benefits: Comparing Benefits in Small Group Products and State and Federal Employee Plans

rb.pdf
PDF

Cost and Coverage Impacts of the President’s Health Care Reform Proposal and a Congressional Tax Credit Proposal. Footnotes

The process used is similar to that used by the Bureau of the Census to establish final family weights in the March CPS. A description of the CMS data is available at: http://www.cms.hhs.gov/NationalHealthExpendData/02_NationalHealthAccountsHistorical.asp#TopOfPage We controlled for worker wage levels, industry, firm size and other characte

Cost and Coverage Impacts of the President’s Health Care Reform Proposal and a Congressional Tax Credit Proposal. 10-Year Estimates

We projected the cost of the two proposals over the 10-year period, 2009 through 2018. Note that when projecting program enrollment and costs, we assume a 40 percent phase-in for 2009 and an 80 percent phase in for 2010, with the program reaching ultimate enrollment beginning in 2011. Therefore, the 2009 impact estimates in our projections dif

Cost and Coverage Impacts of the President’s Health Care Reform Proposal and a Congressional Tax Credit Proposal. Single-Year Estimates of State Costs

Note that the net Federal, State and total public costs for both proposals are displayed by State in Figure 13 . Detailed estimates of the costs, similar to those displayed in Figure 15 and Figure 16 are displayed in the Appendix for each State. Below we describe the derivation of the net cost amounts for the States under each pro

Cost and Coverage Impacts of the President’s Health Care Reform Proposal and a Congressional Tax Credit Proposal. Single-Year Estimates of Federal Costs

President’s Proposal . The total amount of the federal tax revenue lost due to the new deduction would be $294.6 billion, including income and Social Security taxes ( Figure 16 ). These revenue losses would be largely offset by about $229.9 billion by requiring workers to count the value of their ESI coverage as taxable income. After

Cost and Coverage Impacts of the President’s Health Care Reform Proposal and a Congressional Tax Credit Proposal. Impact on Health Spending

In this section we will discuss the impacts from both programs on Federal and State health spending. We first do so based upon our single year estimates assuming that the programs are fully implemented in 2009. We then present the estimated impacts over a 10-year projection period including an expected phase-in of the program over time.

Cost and Coverage Impacts of the President’s Health Care Reform Proposal and a Congressional Tax Credit Proposal. Changes in Private Insurance Coverage

President’s Proposal . Under current law, the tax exclusion for employer-sponsored health benefits effectively reduces the cost of insurance to workers. Creating a tax deduction of an equal amount for both employer and non-group coverage eliminates the relative tax advantage of providing coverage through the employer, resulting in a shi

Cost and Coverage Impacts of the President’s Health Care Reform Proposal and a Congressional Tax Credit Proposal. Impact on the Uninsured

President’s Proposal . We project that under current policy there will be about 48.8 million people without health insurance in 2009. Under the President’s proposal, about 10.9 million people would become newly covered under the tax deduction, 8.6 million under Affordable Choices, and another 0.8 million children under SCHIP ( Figure 1

Cost and Coverage Impacts of the President’s Health Care Reform Proposal and a Congressional Tax Credit Proposal. Impact on Coverage

Below we describe the impact of the President’s proposal and the Congressional tax credit proposal on health insurance coverage nationally and by state.

Assumptions used for the State-Level Estimates

Cost and Coverage Impacts of the President’s Health Care Reform Proposal and a Congressional Tax Credit Proposal. Assumptions used for the State-Level Estimates

As mentioned earlier, aside from developing national estimates, we also modeled the President’s proposal and the Congressional tax proposal for each state. Again, we used the HBSM to estimate the state impacts. The policy options were modeled using similar assumptions and methods as described above for the national estimates. This facilita

Key Modeling Assumptions for Tax Deduction and

Cost and Coverage Impacts of the President’s Health Care Reform Proposal and a Congressional Tax Credit Proposal. Key Modeling Assumptions for Tax Deduction and Tax Credit

We modeled the effect of the President’s tax deduction proposal and the Congressional tax credit proposal on coverage using a uniform methodology. We estimated the impact of these tax incentive methodologies in HBSM based upon a multivariate model of how the likelihood of taking coverage is affected by changes in the net cost of insurance to t

Key Modeling Assumptions for the Affordable

Cost and Coverage Impacts of the President’s Health Care Reform Proposal and a Congressional Tax Credit Proposal. Key Modeling Assumptions for the Affordable Choices Program

State Participation. Affordable Choices is an optional program to the states. To participate, the state must redirect half of their DSH funds to the Affordable Choices program. The remainder of the program is financed with federal matching funds, at the SCHIP enhanced matching rates. While the enhanced matching rate is attractive, the stat

Cost and Coverage Impacts of the President’s Health Care Reform Proposal and a Congressional Tax Credit Proposal. Baseline (Current-law) Development

The key to simulating changes in the health care system is to develop a baseline database that depicts the U.S. health care system in detail. Our HBSM baseline data is based upon the 1999 through 2001 Medical Expenditures Panel Survey (MEPS) data, which provide information on sources of coverage and health expenditures for a representative sam

Description of the Lewin Health Benefits

Cost and Coverage Impacts of the President’s Health Care Reform Proposal and a Congressional Tax Credit Proposal. Description of the Lewin Health Benefits Simulation Model

HBSM was created to provide comparisons of the impact of alternative health reform models on coverage and expenditures for employers, governments and households. HBSM facilitates comparisons of alternative health reform initiatives by using uniform data and assumptions. For example, take-up rates for Medicaid and various tax credit/premium p

Content by Keyword: Healthcare Marketplace