BEST PRACTICES TO IMPROVE TAKE-UP RATES IN HEALTH INSURANCE PROGRAMS Final Report Laura Summer and Jennifer Thompson Georgetown University Health Policy Institute Project Director: Elizabeth Hargrave, NORC at the University of Chicago Project Consultant: Jack Hoadley, Georgetown University Health Policy Institute Project Contributor: Bhumika
ASPE ISSUE BRIEF Social Security and Medicare from a Trust Fund and Budget Perspective April 2005 Printer Friendly Version in PDF format This Issue Brief is available on the Internet at: http://aspe.hhs.gov/health/ss-mcare-trust05/index.htm
Medicare, Accountability, and Structural Reform Full Report [ Main Page of Report | Contents of Report ]
1 “Health disparities: A case for closing the gap.” Office of Health Reform, Department of Health and Human Services, 2009. (Accessed at http://www.healthreform.gov/reports/healthdisparities/ ).
Survey Data on Health Insurance Coverage for 2013 and 2014. Appendix 2: Cps-asec: Sources of Health Insurance Coverage in 2013
The estimates shown in Table A-2 are based on the percentage of people for whom each source of coverage was reported in the CPE-ASEC for CY 2013. These percentages sum to more than 100 percent because some people report multiple forms of coverage.
Survey Data on Health Insurance Coverage for 2013 and 2014. Appendix 1: National Health Interview Survey (nhis): Additional Information on Correlates of Uninsurance in 2013 and Early 2014
Table A-1. Estimated Percentage Uninsured, January-December 2013 and January-March 2014, Under 65 Only
Survey Data on Health Insurance Coverage for 2013 and 2014. Conclusion: Looking AHEAD to the Present
Gallup-Healthways WBI health insurance survey data provide the most up-to-date data on insurance coverage so far in 2014. An analysis of these data published by the New England Journal of Medicine shows that 10.3 million adults had gained coverage through June 2014. 27
Survey Data on Health Insurance Coverage for 2013 and 2014. 2013: Current Population Survey Annual Social and Economic Supplement (CPS-ASEC) and American Community Survey (ACS)
The CPS-ASEC and ACS estimates released on September 16, 2014 cover CY 2013. 20 These data thus provide a baseline for future analyses of changes in health insurance coverage under the Affordable Care Act.
Survey Data on Health Insurance Coverage for 2013 and 2014. Early 2014: National Health Interview Survey (NHIS)
In September, the National Health Interview Survey (NHIS) released data for the first quarter of 2014 that provide estimates of the number of people without insurance and the sources of coverage. These data represent averages over the first quarter.
Survey Data on Health Insurance Coverage for 2013 and 2014. Mid-2014: Gallup-Healthways Well-Being Index (WBI)
Analysis of data from the Gallup-Healthways WBI by Sommers et al. shows a decline of 26 percent in the uninsured rate for nonelderly adults. The study estimated a 5.2 percentage point reduction in the uninsured rate for 18 to 64 year olds in the second quarter of 2014, compared to the base period from the first quarter of 2012 through the third qu
Variation and Trends in Medigap Premiums. Appendix E: Average EnrollmentWeighted Monthly Premium for Plans C, F, and Other Medigap Plans, 2007 and 2010
State 2007 2010 Average Annual % Change, 2007-2010 Medigap Policyholders Share of Enrollment Enrollment-Weighted Monthly Premiums Medigap Policyholders Share of Enrollment Enrollment-Weighted Monthly Premiums Total Enrollment
Variation and Trends in Medigap Premiums. Appendix D: EnrollmentWeighted Medical Loss Ratios, Average Monthly Premiums, and Average Annual Percent Change for All Medigap Plan Types, by State, 20072010
State 2007 2008 2009 2010 Average Annual % Change in Monthly Premium, 2007-2010 Avg. MLR Avg. Monthly Premium Avg. MLR Avg. Monthly Premium Avg. MLR Avg. Monthly Premium Avg. MLR Avg. Monthly Premium US Total 0.83 $161
Data for this study was provided by the National Association of Insurance Commissioners (NAIC). The data are based on reporting by insurers to state departments of insurance, and exclude data for companies that are regulated by the California Department of Managed Health Care (DMHC).
Variation and Trends in Medigap Premiums. Appendix B: Distribution of Medigap Plans by State and Rating Characteristics, 2010
State Total # of Plans Community Rated Issue-Age Rated Attained-Age Rated US TOTAL 6430 12% 19% 69% SOURCE: ASPE analysis of the 2010 Medigap Planfinder database, Centers for Medicare & Medicaid Services Alabama 44 36% 16%
Variation and Trends in Medigap Premiums. Appendix A: Medicare Benefits for Parts A and B and Cost Sharing Requirements, 2011
PART A Deductible $1,132 per benefit period Inpatient hospital Days 1-60 Days 61-90 Days 91-150 After 150 Days No coinsurance $283per day $566 per day (for up to 60 lifetime reserve days) Not covered
We find that Medigap premiums have risen moderately on average over the past decade and in particular since 2007. From 2001 to 2010 Medigap premiums increased at an average annual rate of 3.8 percent, while Medicare spending per beneficiary increased by 5.4 percent. In six of the past nine years, Medigap premium increases have been smaller than th
While overall Medigap premium increases have been moderate over the past ten years, some policies have had much larger than average increases. These increases may cause concern among enrollees and policy makers. To examine potential factors that may be associated with high premium growth, we examined plans that appeared to be “outliers” in ter
Using all Medigap plans that had usable data in each of the four years from 2007 and 2010, we estimated a model to predict annual changes in premiums within plans. Important findings are:
Average Medigap premiums rose from $127 in 2001 to $177 in 2010, an average annual increase of approximately 3.8 percent. As displayed on Figure 10, annual growth rates were higher early in this decade then in more recent years. As a point of comparison, the average annual change in Medicare spending per beneficiary (without Part D spending) was 5