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Sample records for health insurance corporation

  1. Health insurance and corporate social responsibility.

    PubMed

    Carter, Tony

    2009-01-01

    Innovation drives productivity in the nonprofit sector as well as in the commercial sector. The greatest advances come not from incremental improvements in efficiency but from new and better approaches. The most powerful way to create social value, therefore, is by developing a new means to address social problems and putting it into widespread practice. The expertise, research capacity, and reach that companies bring to philanthropy can help nonprofits create new solutions that they could never afford to develop on their own. Corporate managers sometimes work directly with faculty and community residents to implement local business projects. These projects often have significant societal benefits, especially since student collaboration and involvement extend to communities in many different inner cities. These projects are incredibly diverse and through such initiatives, management education not only provides an educationally rewarding outlet for students but also endows and enriches inner city communities. Management students sometimes work directly with faculty and community residents to implement local business projects. These projects often have significant societal benefits, especially since student collaboration and involvement extend to communities in many different inner cities. These projects are incredibly diverse and through such initiatives, management education not only provides an educationally rewarding outlet for students but also endows and enriches inner city communities. This article looks at how to use corporate social responsibility and service learning to drive innovation for local inner-city economic development. PMID:19197657

  2. Social health insurance without corporate actors: changes in self-regulation in Germany, Poland and Turkey.

    PubMed

    Wendt, Claus; Agartan, Tuba I; Kaminska, Monika Ewa

    2013-06-01

    Social health insurance in Western Europe has for many years been characterized by self-regulation in which specific conditions of healthcare financing and provision have been regulated by social-insurance institutions through mutual self-governance. However, the principle of self-regulation has recently been weakened by increased state regulation and market competition, which were introduced in response to economic and social changes. Even in Germany, which has been regarded as an "ideal-type" health insurance system and in which self-regulation remains at the core of healthcare governance, more direct state intervention has gained in importance. On the other hand, in countries such as Poland and Turkey, where this tradition of self-regulation is missing, social health insurance is deemed a financing instrument but not an instrument of governance and corporate actors are not accorded a significant role in regulation. This article investigates how social health insurance systems are regulated in contexts in which corporate actors' role is either diminishing or absent by focusing on three crucial areas of regulation: financing, the remuneration of medical doctors, and the definition of the healthcare benefit package. In Germany, state regulation has increased in healthcare financing and remuneration while the role of corporate actors has grown in the definition of the benefits package. In Poland and Turkey, on the other hand, reforms have maintained the status quo in terms of the strong regulatory, budgetary, and managerial powers of the state and very limited involvement of corporate actors. PMID:23608097

  3. Health Insurance

    MedlinePlus

    Health insurance helps protect you from high medical care costs. It is a contract between you and your ... Many people in the United States get a health insurance policy through their employers. In most cases, the ...

  4. Health Insurance

    MedlinePlus

    Health insurance helps protect you from high medical care costs. It is a contract between you and ... Many people in the United States get a health insurance policy through their employers. In most cases, ...

  5. Making health insurers insure.

    PubMed

    Ortolon, Ken

    2010-12-01

    A section of the Patient Protection and Affordable Care Act requires health plans to maintain a minimum "medical loss ratio," or MLR, of between 80 percent and 85 percent. If they don't, they could be ordered to refund some premium dollars to their beneficiaries. Texas Medical Association officials say the new MLR provision could force health plans to spend more time providing insurance and less time meddling in patient care. But that is still unclear. PMID:21174243

  6. Health Insurance Basics

    MedlinePlus

    ... How Can I Help a Friend Who Cuts? Health Insurance Basics KidsHealth > For Teens > Health Insurance Basics Print ... thought advanced calculus was confusing. What Exactly Is Health Insurance? Health insurance is a plan that people buy ...

  7. Performance Analysis of Hospital Information System of the National Health Insurance Corporation Ilsan Hospital

    PubMed Central

    Han, Jung Mi; Boo, Eun Hee; Kim, Jung A; Yoon, Soo Jin; Kim, Seong Woo

    2012-01-01

    Objectives This study evaluated the qualitative and quantitative performances of the newly developed information system which was implemented on November 4, 2011 at the National Health Insurance Corporation Ilsan Hospital. Methods Registration waiting time and changes in the satisfaction scores for the key performance indicators (KPI) before and after the introduction of the system were compared; and the economic effects of the system were analyzed by using the information economics approach. Results After the introduction of the system, the waiting time for registration was reduced by 20%, and the waiting time at the internal medicine department was reduced by 15%. The benefit-to-cost ratio was increased to 1.34 when all intangible benefits were included in the economic analysis. Conclusions The economic impact and target satisfaction rates increased due to the introduction of the new system. The results were proven by the quantitative and qualitative analyses carried out in this study. This study was conducted only seven months after the introduction of the system. As such, a follow-up study should be carried out in the future when the system stabilizes. PMID:23115744

  8. Understanding health insurance plans

    MedlinePlus

    ... page: //medlineplus.gov/ency/patientinstructions/000879.htm Understanding health insurance plans To use the sharing features on this ... plan for you and your family. Types of Health Insurance Plans Depending on how you get your health ...

  9. Health insurance reform legislation.

    PubMed

    DiSimone, R L

    1997-01-01

    The Health Insurance Portability and Accountability Act of 1996 (HIPAA), enacted on August 21, 1996 (Public Law 104-19), provides for improved access and renewability with respect to employment-related group health plans, to health insurance coverage sold in connection with group plans, and to the individual market (by amending the Public Health Service Act). The Act's provisions include improvements in portability and continuity of health insurance coverage; combatting waste, fraud, and abuse in health insurance and health care delivery; promoting the use of medical savings accounts; improving access to long-term care services and insurance coverage; administrative simplification; and addressing duplication and coordination of Medicare benefits. PMID:9483710

  10. Relative value health insurance.

    PubMed

    Korobkin, Russell

    2014-04-01

    Increases in health costs continue to outpace general inflation, and implementation of the Patient Protection and Affordable Care Act will exacerbate the problem by adding more Americans to the ranks of the insured. The most commonly proposed solutions--bureaucratic controls, greater patient cost sharing, and changes to physician incentives--all have substantial weaknesses. This article proposes a new paradigm for rationalizing health care expenditures called "relative value health insurance," a product that would enable consumers to purchase health insurance that covers cost-effective treatments but excludes cost-ineffective treatments. A combination of legal and informational impediments prevents private insurers from marketing this type of product today, but creative use of comparative effectiveness research, funded as a part of health care reform, could make relative value health insurance possible. Data deficits, adverse selection risks, and heterogeneous values among consumers create obstacles to shifting the health insurance system to this paradigm, but they could be overcome. PMID:24523448

  11. Understanding health insurance plans

    MedlinePlus

    Most insurance companies offer different types of health plans. And when you are comparing plans, it can sometimes seem ... Depending on how you get your health insurance, you may have a ... (HMOs). These plans offer a network of health care providers ...

  12. Theory of health insurance.

    PubMed

    Nyman, J A

    1998-01-01

    The conventional explanation for purchasing insurance is to transfer risk. Psychologists, however, have shown that this explanation does not match actual behavior. They find that people generally prefer the risk of no loss at all to the certainty of a smaller actuarially equivalent loss, a situation exactly opposite to the one represented by the purchase of insurance. Nevertheless, people do purchase insurance, so there must be an explanation other than risk transfer for purchasing it. Of the explanations so far advanced, however, none have yet developed a wide acceptance. Regardless of risk issues, people will be more likely to purchase insurance when the premium is low compared to the value of the coverage to the consumer. Moral hazard raises the premium, as does adverse selection. The presence of either makes the purchase of insurance less likely. With health insurance, the tax subsidy can reduce the effective premium to less than the actuarially fair cost of insurance. This would increase the likelihood that health insurance is purchased. Finally, because of the value we place on our health, we desire access to a full range of health care. Health insurance is often the only affordable way of gaining access to this care, given the high costs of many of these procedures. PMID:10185500

  13. Insuring against health shocks: Health insurance and household choices.

    PubMed

    Liu, Kai

    2016-03-01

    This paper provides empirical evidence on the role of public health insurance in mitigating adverse outcomes associated with health shocks. Exploiting the rollout of a universal health insurance program in rural China, I find that total household income and consumption are fully insured against health shocks even without access to health insurance. Household labor supply is an important insurance mechanism against health shocks. Access to health insurance helps households to maintain investment in children's human capital during negative health shocks, which suggests that one benefit of health insurance could arise from reducing the use of costly smoothing mechanisms. PMID:26836108

  14. Travel insurance and health.

    PubMed

    Leggat, P A; Carne, J; Kedjarune, U

    1999-12-01

    Travel insurance normally underwrites travel, medical, and dental expenses incurred by travelers abroad and arranges aeromedical evacuation of travelers under conditions specified by the travel insurance policy. Because of the costs of medical and dental treatment abroad and the high cost associated with aeromedical evacuation, all travelers should be advised of the need for comprehensive travel insurance and be advised to read their policies carefully to see what is covered and to check for any exclusions. In particular, those travelers who have known preexisting conditions, who are working overseas, or who are going to undertake any form of hazardous recreational pursuit may need to obtain a special travel insurance policy, which may attract a higher premium. Conservatively, it is estimated that between 30-50% of travelers become ill or injured whilst traveling. Relative estimated monthly incidence rates of various health problems have been compiled elsewhere. The risk of severe injury is thought to be greater for people when traveling abroad. These risks should be covered by travel insurance to protect the traveler, however it is not known what proportion of travel agents or airlines give advice routinely on travel insurance. Travel insurance is the most important safety net for travelers in the event of misadventure, and should be reinforced by travel health advisers. Although only 4% of general practitioners (GPs) in a late 1980's study in the United Kingdom would advise a traveler going to Turkey about travel insurance,4 more recent studies have shown about 60% of GPs in New Zealand and 39% of travel clinics worldwide usually advised travelers concerning travel insurance. In addition, 54% of GPs in New Zealand usually also advised travelers about finding medical assistance abroad, but only 19% of GPs recommended travel insurance companies as a source of medical assistance while traveling. PMID:10575173

  15. 12 CFR 1400.1 - Farm Credit System Insurance Corporation.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Farm Credit System Insurance Corporation. 1400.1 Section 1400.1 Banks and Banking FARM CREDIT SYSTEM INSURANCE CORPORATION ORGANIZATION AND FUNCTIONS Organization and Functions § 1400.1 Farm Credit System Insurance Corporation. The Farm...

  16. 12 CFR 1400.1 - Farm Credit System Insurance Corporation.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 12 Banks and Banking 9 2013-01-01 2013-01-01 false Farm Credit System Insurance Corporation. 1400.1 Section 1400.1 Banks and Banking FARM CREDIT SYSTEM INSURANCE CORPORATION ORGANIZATION AND FUNCTIONS Organization and Functions § 1400.1 Farm Credit System Insurance Corporation. The Farm...

  17. 12 CFR 1400.1 - Farm Credit System Insurance Corporation.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 12 Banks and Banking 7 2011-01-01 2011-01-01 false Farm Credit System Insurance Corporation. 1400.1 Section 1400.1 Banks and Banking FARM CREDIT SYSTEM INSURANCE CORPORATION ORGANIZATION AND FUNCTIONS Organization and Functions § 1400.1 Farm Credit System Insurance Corporation. The Farm...

  18. 12 CFR 1400.1 - Farm Credit System Insurance Corporation.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 12 Banks and Banking 9 2012-01-01 2012-01-01 false Farm Credit System Insurance Corporation. 1400.1 Section 1400.1 Banks and Banking FARM CREDIT SYSTEM INSURANCE CORPORATION ORGANIZATION AND FUNCTIONS Organization and Functions § 1400.1 Farm Credit System Insurance Corporation. The Farm...

  19. 12 CFR 1400.1 - Farm Credit System Insurance Corporation.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 12 Banks and Banking 10 2014-01-01 2014-01-01 false Farm Credit System Insurance Corporation. 1400.1 Section 1400.1 Banks and Banking FARM CREDIT SYSTEM INSURANCE CORPORATION ORGANIZATION AND FUNCTIONS Organization and Functions § 1400.1 Farm Credit System Insurance Corporation. The Farm...

  20. Deductibles in health insurance

    NASA Astrophysics Data System (ADS)

    Dimitriyadis, I.; Öney, Ü. N.

    2009-11-01

    This study is an extension to a simulation study that has been developed to determine ruin probabilities in health insurance. The study concentrates on inpatient and outpatient benefits for customers of varying age bands. Loss distributions are modelled through the Allianz tool pack for different classes of insureds. Premiums at different levels of deductibles are derived in the simulation and ruin probabilities are computed assuming a linear loading on the premium. The increase in the probability of ruin at high levels of the deductible clearly shows the insufficiency of proportional loading in deductible premiums. The PH-transform pricing rule developed by Wang is analyzed as an alternative pricing rule. A simple case, where an insured is assumed to be an exponential utility decision maker while the insurer's pricing rule is a PH-transform is also treated.

  1. Insurance Incentives for Health Promotion.

    ERIC Educational Resources Information Center

    Hosokawa, Michael C.

    1984-01-01

    To reduce the cost of reimbursements, many insurance companies have begun to use insurance incentives as a way to motivate individuals to participate in health promotion activities. Traditional health education, research and demonstration, and policy-premium incentives are methods of health promotion used by life and health insurance companies.…

  2. Life and Health Insurance Industry Investments in Fast Food

    PubMed Central

    McCormick, Danny; Woolhandler, Steffie; Himmelstein, David U.; Boyd, J. Wesley

    2010-01-01

    Previous research on health and life insurers' financial investments has highlighted the tension between profit maximization and the public good. We ascertained health and life insurance firms' holdings in the fast food industry, an industry that is increasingly understood to negatively impact public health. Insurers own $1.88 billion of stock in the 5 leading fast food companies. We argue that insurers ought to be held to a higher standard of corporate responsibility, and we offer potential solutions. PMID:20395572

  3. Life and health insurance industry investments in fast food.

    PubMed

    Mohan, Arun V; McCormick, Danny; Woolhandler, Steffie; Himmelstein, David U; Boyd, J Wesley

    2010-06-01

    Previous research on health and life insurers' financial investments has highlighted the tension between profit maximization and the public good. We ascertained health and life insurance firms' holdings in the fast food industry, an industry that is increasingly understood to negatively impact public health. Insurers own $1.88 billion of stock in the 5 leading fast food companies. We argue that insurers ought to be held to a higher standard of corporate responsibility, and we offer potential solutions. PMID:20395572

  4. Self-insured health plans

    PubMed Central

    McDonnell, Patricia; Guttenberg, Abbie; Greenberg, Leonard; Arnett, Ross H.

    1986-01-01

    Nationwide, 8 percent of all employment-related health plans were self-insured in 1984, which translates into more than 175,000 self-insured plans according to our latest study of independent health plans. The propensity of an organization to self-insure differs primarily by its size, with large establishments more likely to self-insure. In the overwhelming majority of cases, the self-insured benefit was hospital and/or medical. Among employers who self-insure, 23 percent self-administer, and the remaining 77 percent hire a commercial insurance company, Blue Cross/Blue Shield plan, or an independent third-party administrator to administer the health plan. PMID:10312008

  5. The economics of health insurance.

    PubMed

    Jha, Saurabh; Baker, Tom

    2012-12-01

    Insurance plays an important role in the United States, most importantly in but not limited to medical care. The authors introduce basic economic concepts that make medical care and health insurance different from other goods and services traded in the market. They emphasize that competitive pricing in the marketplace for insurance leads, quite rationally, to risk classification, market segmentation, and market failure. The article serves as a springboard for understanding the basis of the reforms that regulate the health insurance market in the Patient Protection and Affordable Care Act. PMID:23206642

  6. Social health insurance reexamined.

    PubMed

    Wagstaff, Adam

    2010-05-01

    Social health insurance (SHI) is enjoying something of a revival in parts of the developing world. Many countries that have in the past relied largely on tax finance (and out-of-pocket payments) have introduced SHI, or are thinking about doing so. And countries with SHI already in place are making vigorous efforts to extend coverage to the informal sector. Ironically, this revival is occurring at a time when the traditional SHI countries in Europe have either already reduced payroll financing in favor of general revenues, or are in the process of doing so. This paper examines how SHI fares in health-care delivery, revenue collection, covering the formal sector, and its impacts on the labor market. It argues that SHI does not necessarily deliver good quality care at a low cost, partly because of poor regulation of SHI purchasers. It suggests that the costs of collecting revenues can be substantial, even in the formal sector where non-enrollment and evasion are commonplace, and that while SHI can cover the formal sector and the poor relatively easily, it fares badly in terms of covering the non-poor informal sector workers until the economy has reached a high level of economic development. The paper also argues that SHI can have negative labor market effects. PMID:19399789

  7. Individual insurance: health insurers try to tap potential market growth.

    PubMed

    November, Elizabeth A; Cohen, Genna R; Ginsburg, Paul B; Quinn, Brian C

    2009-11-01

    Individual insurance is the only source of health coverage for people without access to employer-sponsored insurance or public insurance. Individual insurance traditionally has been sought by older, sicker individuals who perceive the need for insurance more than younger, healthier people. The attraction of a sicker population to the individual market creates adverse selection, leading insurers to employ medical underwriting--which most states allow--to either avoid those with the greatest health needs or set premiums more reflective of their expected medical use. Recently, however, several factors have prompted insurers to recognize the growth potential of the individual market: a declining proportion of people with employer-sponsored insurance, a sizeable population of younger, healthier people forgoing insurance, and the likelihood that many people receiving subsidies to buy insurance under proposed health insurance reforms would buy individual coverage. Insurers are pursuing several strategies to expand their presence in the individual insurance market, including entering less-regulated markets, developing lower-cost, less-comprehensive products targeting younger, healthy consumers, and attracting consumers through the Internet and other new distribution channels, according to a new study by the Center for Studying Health System Change (HSC). Insurers' strategies in the individual insurance market are unlikely to meet the needs of less-than-healthy people seeking affordable, comprehensive coverage. Congressional health reform proposals, which envision a larger role for the individual market under a sharply different regulatory framework, would likely supersede insurers' current individual market strategies. PMID:19899193

  8. 76 FR 34985 - Farm Credit System Insurance Corporation Board Meeting

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-06-15

    ... Credit Administration in McLean, Virginia, on June 21, 2011, from 9 a.m. until such time as the Board... Insurance Corporation, 1501 Farm Credit Drive, McLean, Virginia 22102. SUPPLEMENTARY INFORMATION: Parts...

  9. 75 FR 11949 - Lincoln Investment Advisors Corporation and Lincoln Variable Insurance Products Trust; Notice of...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-03-12

    ... COMMISSION Lincoln Investment Advisors Corporation and Lincoln Variable Insurance Products Trust; Notice of... requirements. Applicants: Lincoln Investment Advisors Corporation (``Adviser'') and Lincoln Variable Insurance..., One Granite Place, Concord, NH 03301 and Lincoln Variable Insurance Products Trust, 1300 S....

  10. Health policy basics: health insurance marketplaces.

    PubMed

    Crowley, Ryan A; Tape, Thomas G

    2013-12-01

    Starting on 1 October 2013, most individuals and small businesses will be able to shop for and enroll in health insurance coverage through their state's health insurance marketplace, also known as an exchange. The health insurance marketplaces will serve as a one-stop resource to help the uninsured and the underinsured find comprehensive health coverage that fits their needs and budget and determine whether they qualify for health insurance tax credits provided by the Patient Protection and Affordable Care Act. Physicians may benefit because insured patients are more likely to have a regular source of care, adhere to medical regimens, and access preventive care. However, implementation of the marketplaces may prove challenging if enrollment numbers are insufficient, technical problems arise, and patients are unable to access providers. Despite these potential issues, physicians are encouraged to educate themselves about how the marketplaces work so they can direct their patients to find the coverage that best meets their medical needs. PMID:24061932

  11. How to Shop for Health Insurance

    MedlinePlus

    ... Know About Zika & Pregnancy How to Shop for Health Insurance KidsHealth > For Parents > How to Shop for Health Insurance Print A A A Text Size What's in ... seguro médico? In America today, we all need health insurance. You do. Your kids do. It's not a " ...

  12. Wisconsin Blues' conversion: the privatization of a health insurer.

    PubMed

    Fetter, Bruce

    2007-12-01

    Wisconsin Blue Cross was chartered in 1939 as a "charitable and benevolent corporation" to cover hospitalization costs at a time when most Americans did not have health insurance. In order to promote the protection that insurance afforded, the Wisconsin legislature exempted the company from most state and local taxes. During World War II, the federal government created tax deductions for both employers and employees, which created new demand for health insurance. The company extended its coverage to physicians' services and, as Blue Cross Blue Shield United of Wisconsin (BCBSUW), became the state's largest health insurer. In 1965, when Medicare and Medicaid further extended health coverage to the elderly, disabled, and indigent, the company took on the additional activity of administering those benefits on behalf of the government. The surge in demand for health care led to inflation in health costs in the 1970s. Many in the insurance industry and government felt this inflation could be controlled through the extension of market competition among insurers. They therefore proposed abandoning their tax exemptions in exchange for the right to operate as for-profit corporations. As a condition of this transformation, the state government required that BCBSUW create charitable foundations to benefit medical education and public health. After privatization, however, the for-profit successors of BCBSUW failed to control both medical costs and company administrative expenses. A substantial share of the profits went to their executives. PMID:18237069

  13. Tensions in private health insurance regulation.

    PubMed

    Willcox, Sharon

    2003-02-01

    This article provides an analysis of the regulatory framework of Australian private health insurance linked to four major implicit regulatory objectives: promoting access to health insurance for consumers; promoting financial solvency and industry viability of registered health benefits organisations; promoting competition between registered health benefits organisations; and promoting accountability to consumers. Through an analysis of regulatory changes, case law and policy documents on the performance of the health insurance industry, it is argued that existing health insurance regulation exhibits inevitable tensions due to shifting and often conflicting government objectives about the role of private health insurance. PMID:12650003

  14. Health insurance: widespread copayment abuse.

    PubMed

    James, J S

    1995-09-01

    Major health insurance companies using typical 80/20 plans are negotiating huge discounts with doctors. This results in the companies paying much less than the eighty percent amount, and sometimes nothing at all. However, these companies use the eighty percent amounts to measure whether a person has reached their insurance limits. All of these machinations are done in secret without patient knowledge. Other companies are using similar practices across the nation. Activists should try to document these abuses by using friendly physicians and hospitals and/or urging the medical societies to develop ethical codes governing such practices. PMID:11362763

  15. Issues in national health insurance.

    PubMed Central

    Donabedian, A

    1976-01-01

    Health insurance, by reducing net price to the consumer and increasing the opportunities for revenue to the provider, has profound effects, among other things, on the volume, content and distribution of services, their prices, and the capacity of providers to produce them. The magnitude and nature of these effects depend, partly, on the design of insurance benefits and, partly, on the nature of the health care system, particularly its current and potential capacity and the methods it uses to pay providers. Those who believe that the unique aim of insurance is to protect against unpredictable expenses attempt to suppress these effects, mainly by imposing financial disincentives to utilization which, in turn, reduce protection for those who need it most. Those who wish to reform the system have a broader range of objectives which include protective efficacy, cost control, quantitative adequacy, qualitative adequacy, efficiency of production, efficiency of allocation, equity, and redistribution of capacity. An analysis of the effects of insurance in the light of these objectives reveals favorable as well as unfavorable consequences. The provision of comprehensive benefits generates the necessity for a fundamental change in the organization of health services, if the advantages are to be fully realized and the disadvantages minimized. PMID:817614

  16. 78 FR 14034 - Health Insurance Providers Fee

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-03-04

    ... applicable to student health insurance, see Student Health Insurance Coverage, 77 FR 16453, 16455-56 (March... definition of covered entity is also Sec. 2520.101-2(c)(2)(ii)(B) (RIN 1210-AB51). See 76 FR 76222. If and... Internal Revenue Service 26 CFR Part 57 RIN 1545-BL20 Health Insurance Providers Fee AGENCY:...

  17. Health Insurance and Children with Disabilities

    ERIC Educational Resources Information Center

    Szilagyi, Peter G.

    2012-01-01

    Few people would disagree that children with disabilities need adequate health insurance. But what kind of health insurance coverage would be optimal for these children? Peter Szilagyi surveys the current state of insurance coverage for children with special health care needs and examines critical aspects of coverage with an eye to helping policy…

  18. Private health insurance: implications for developing countries.

    PubMed

    Sekhri, Neelam; Savedoff, William

    2005-02-01

    Private health insurance is playing an increasing role in both high- and low-income countries, yet is poorly understood by researchers and policy-makers. This paper shows that the distinction between private and public health insurance is often exaggerated since well regulated private insurance markets share many features with public insurance systems. It notes that private health insurance preceded many modern social insurance systems in western Europe, allowing these countries to develop the mechanisms, institutions and capacities that subsequently made it possible to provide universal access to health care. We also review international experiences with private insurance, demonstrating that its role is not restricted to any particular region or level of national income. The seven countries that finance more than 20% of their health care via private health insurance are Brazil, Chile, Namibia, South Africa, the United States, Uruguay and Zimbabwe. In each case, private health insurance provides primary financial protection for workers and their families while public health-care funds are targeted to programmes covering poor and vulnerable populations. We make recommendations for policy in developing countries, arguing that private health insurance cannot be ignored. Instead, it can be harnessed to serve the public interest if governments implement effective regulations and focus public funds on programmes for those who are poor and vulnerable. It can also be used as a transitional form of health insurance to develop experience with insurance institutions while the public sector increases its own capacity to manage and finance health-care coverage. PMID:15744405

  19. Private health insurance: implications for developing countries.

    PubMed Central

    Sekhri, Neelam; Savedoff, William

    2005-01-01

    Private health insurance is playing an increasing role in both high- and low-income countries, yet is poorly understood by researchers and policy-makers. This paper shows that the distinction between private and public health insurance is often exaggerated since well regulated private insurance markets share many features with public insurance systems. It notes that private health insurance preceded many modern social insurance systems in western Europe, allowing these countries to develop the mechanisms, institutions and capacities that subsequently made it possible to provide universal access to health care. We also review international experiences with private insurance, demonstrating that its role is not restricted to any particular region or level of national income. The seven countries that finance more than 20% of their health care via private health insurance are Brazil, Chile, Namibia, South Africa, the United States, Uruguay and Zimbabwe. In each case, private health insurance provides primary financial protection for workers and their families while public health-care funds are targeted to programmes covering poor and vulnerable populations. We make recommendations for policy in developing countries, arguing that private health insurance cannot be ignored. Instead, it can be harnessed to serve the public interest if governments implement effective regulations and focus public funds on programmes for those who are poor and vulnerable. It can also be used as a transitional form of health insurance to develop experience with insurance institutions while the public sector increases its own capacity to manage and finance health-care coverage. PMID:15744405

  20. 12 CFR 1402.10 - Official records of the Farm Credit System Insurance Corporation.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 12 Banks and Banking 9 2012-01-01 2012-01-01 false Official records of the Farm Credit System Insurance Corporation. 1402.10 Section 1402.10 Banks and Banking FARM CREDIT SYSTEM INSURANCE CORPORATION RELEASING INFORMATION Availability of Records of the Farm Credit System Insurance Corporation §...

  1. 26 CFR 1.953-5 - Corporations not qualifying as insurance companies.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... would be taxable as a mutual marine insurance or other insurance company to which part III of subchapter... 26 Internal Revenue 10 2010-04-01 2010-04-01 false Corporations not qualifying as insurance... qualifying as insurance companies. (a) In general. A controlled foreign corporation is not excluded from...

  2. 77 FR 25480 - Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-04-30

    ... issue of the Federal Register (57 FR 29491). For further information concerning the identification of... CORPORATION Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation Has... Federal Deposit Insurance Corporation (Corporation) has been appointed the sole receiver for the...

  3. 76 FR 50215 - Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-08-12

    ... issue of the Federal Register (57 FR 29491). For further information concerning the identification of... CORPORATION Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation Has... Federal Deposit Insurance Corporation (Corporation) has been appointed the sole receiver for the...

  4. 77 FR 60988 - Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-10-05

    ... issue of the Federal Register (57 FR 29491). For further information concerning the identification of... CORPORATION Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation has... Federal Deposit Insurance Corporation (Corporation) has been appointed the sole receiver for the...

  5. 76 FR 14970 - Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-03-18

    ... issue of the Federal Register (57 FR 29491). For further information concerning the identification of... CORPORATION Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation Has... Federal Deposit Insurance Corporation (Corporation) has been appointed the sole receiver for the...

  6. 77 FR 46435 - Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-08-03

    ... issue of the Federal Register (57 FR 29491). For further information concerning the identification of... CORPORATION Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation Has... Federal Deposit Insurance Corporation (Corporation) has been appointed the sole receiver for the...

  7. 75 FR 29759 - Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-05-27

    ... issue of the Federal Register (57 FR 29491). For further information concerning the identification of... CORPORATION Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation Has... Federal Deposit Insurance Corporation (Corporation) has been appointed the sole receiver for the...

  8. 77 FR 27774 - Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-05-11

    ... issue of the Federal Register (57 FR 29491). For further information concerning the identification of... CORPORATION Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation Has... Federal Deposit Insurance Corporation (Corporation) has been appointed the sole receiver for the...

  9. 77 FR 44239 - Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-07-27

    ... issue of the Federal Register (57 FR 29491). For further information concerning the identification of... CORPORATION Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation Has... Federal Deposit Insurance Corporation (Corporation) has been appointed the sole receiver for the...

  10. 76 FR 56454 - Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-09-13

    ... issue of the Federal Register (57 FR 29491). For further information concerning the identification of... CORPORATION Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation Has... Federal Deposit Insurance Corporation (Corporation) has been appointed the sole receiver for the...

  11. 78 FR 6105 - Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-01-29

    ... issue of the Federal Register (57 FR 29491). For further information concerning the identification of... CORPORATION Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation Has... Federal Deposit Insurance Corporation (Corporation) has been appointed the sole receiver for the...

  12. 76 FR 57741 - Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-09-16

    ... issue of the Federal Register (57 FR 29491). For further information concerning the identification of... CORPORATION Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation Has... Federal Deposit Insurance Corporation (Corporation) has been appointed the sole receiver for the...

  13. 77 FR 21100 - Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-04-09

    ... issue of the Federal Register (57 FR 29491). For further information concerning the identification of... CORPORATION Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation Has... Federal Deposit Insurance Corporation (Corporation) has been appointed the sole receiver for the...

  14. 78 FR 68442 - Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-11-14

    ... issue of the Federal Register (57 FR 29491). For further information concerning the identification of... CORPORATION Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation Has... Federal Deposit Insurance Corporation (Corporation) has been appointed the sole receiver for the...

  15. 76 FR 69270 - Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-11-08

    ... issue of the Federal Register (57 FR 29491). For further information concerning the identification of... CORPORATION Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation Has... Federal Deposit Insurance Corporation (Corporation) has been appointed the sole receiver for the...

  16. 75 FR 62131 - Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-10-07

    ... issue of the Federal Register (57 FR 29491). For further information concerning the identification of... CORPORATION Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation Has... Federal Deposit Insurance Corporation (Corporation) has been appointed the sole receiver for the...

  17. 75 FR 80812 - Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-12-23

    ... issue of the Federal Register (57 FR 29491). For further information concerning the identification of... CORPORATION Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation Has... Federal Deposit Insurance Corporation (Corporation) has been appointed the sole receiver for the...

  18. 76 FR 53458 - Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-08-26

    ... issue of the Federal Register (57 FR 29491). For further information concerning the identification of... CORPORATION Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation Has... Federal Deposit Insurance Corporation (Corporation) has been appointed the sole receiver for the...

  19. 78 FR 35929 - Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-06-14

    ... issue of the Federal Register (57 FR 29491). For further information concerning the identification of... CORPORATION Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation Has... Federal Deposit Insurance Corporation (Corporation) has been ] appointed the sole receiver for...

  20. 76 FR 49477 - Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-08-10

    ... issue of the Federal Register (57 FR 29491). For further information concerning the identification of... CORPORATION Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation Has... Federal Deposit Insurance Corporation (Corporation) has been appointed the sole receiver for the...

  1. 77 FR 58542 - Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-09-21

    ... issue of the Federal Register (57 FR 29491). For further information concerning the identification of... CORPORATION Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation has... Federal Deposit Insurance Corporation (Corporation) has been appointed the sole receiver for the...

  2. 77 FR 46436 - Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-08-03

    ... issue of the Federal Register (57 FR 29491). For further information concerning the identification of... CORPORATION Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation Has... Federal Deposit Insurance Corporation (Corporation) has been appointed the sole receiver for the...

  3. 78 FR 21949 - Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-04-12

    ... issue of the Federal Register (57 FR 29491). For further information concerning the identification of... CORPORATION Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation Has... Federal Deposit Insurance Corporation (Corporation) has been appointed the sole receiver for the...

  4. 75 FR 62819 - Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-10-13

    ... issue of the Federal Register (57 FR 29491). For further information concerning the identification of... CORPORATION Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation Has... Federal Deposit Insurance Corporation (Corporation) has been appointed the sole receiver for the...

  5. 77 FR 57087 - Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-09-17

    ... issue of the Federal Register (57 FR 29491). For further information concerning the identification of... CORPORATION Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation Has... Federal Deposit Insurance Corporation (Corporation) has been appointed the sole receiver for the...

  6. 75 FR 51073 - Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-08-18

    ... issue of the Federal Register (57 FR 29491). For further information concerning the identification of... CORPORATION Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation Has... Federal Deposit Insurance Corporation (Corporation) has been appointed the sole receiver for the...

  7. 77 FR 14014 - Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-03-08

    ... issue of the Federal Register (57 FR 29491). For further information concerning the identification of... CORPORATION Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation has... Federal Deposit Insurance Corporation (Corporation) has been appointed the sole receiver for the...

  8. 75 FR 57467 - Update To Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-09-21

    ... issue of the Federal Register (57 FR 29491). For further information concerning the identification of... CORPORATION Update To Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation Has... Federal Deposit Insurance Corporation (Corporation) has been appointed the sole receiver for the...

  9. 76 FR 62407 - Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-10-07

    ... issue of the Federal Register (57 FR 29491). For further information concerning the identification of... CORPORATION Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation Has... Federal Deposit Insurance Corporation (Corporation) has been appointed the sole receiver for the...

  10. 77 FR 47841 - Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-08-10

    ... issue of the Federal Register (57 FR 29491). For further information concerning the identification of... CORPORATION Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation Has... Federal Deposit Insurance Corporation (Corporation) has been appointed the sole receiver for the...

  11. 77 FR 15755 - Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-03-16

    ... issue of the Federal Register (57 FR 29491). For further information concerning the identification of... CORPORATION Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation Has... Federal Deposit Insurance Corporation (Corporation) has been appointed the sole receiver for the...

  12. 76 FR 7208 - Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-02-09

    ... issue of the Federal Register (57 FR 29491). For further information concerning the identification of... CORPORATION Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation Has... Federal Deposit Insurance Corporation (Corporation) has been appointed the sole receiver for the...

  13. 75 FR 27558 - Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-05-17

    ... issue of the Federal Register (57 FR 29491). For further information concerning the identification of... CORPORATION Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation Has... Federal Deposit Insurance Corporation (Corporation) has been appointed the sole receiver for the...

  14. 77 FR 67643 - Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-11-13

    ... issue of the Federal Register (57 FR 29491). For further information concerning the identification of... CORPORATION Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation Has... Federal Deposit Insurance Corporation (Corporation) has been appointed the sole receiver for the...

  15. 78 FR 26031 - Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-05-03

    ... issue of the Federal Register (57 FR 29491). For further information concerning the identification of... CORPORATION Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation Has... Federal Deposit Insurance Corporation (Corporation) has been appointed the sole receiver for the...

  16. 76 FR 51366 - Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-08-18

    ... issue of the Federal Register (57 FR 29491). For further information concerning the identification of... CORPORATION Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation Has... Federal Deposit Insurance Corporation (Corporation) has been appointed the sole receiver for the...

  17. 77 FR 31357 - Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-05-25

    ... issue of the Federal Register (57 FR 29491). For further information concerning the identification of... CORPORATION Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation Has... Federal Deposit Insurance Corporation (Corporation) has been ] appointed the sole receiver for...

  18. 78 FR 16502 - Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-03-15

    ... issue of the Federal Register (57 FR 29491). For further information concerning the identification of... CORPORATION Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation Has... Federal Deposit Insurance Corporation (Corporation) has been appointed the sole receiver for the...

  19. 77 FR 43076 - Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-07-23

    ... issue of the Federal Register (57 FR 29491). For further information concerning the identification of... CORPORATION Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation Has... Federal Deposit Insurance Corporation (Corporation) has been appointed the sole receiver for the...

  20. 76 FR 31333 - Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-05-31

    ... issue of the Federal Register (57 FR 29491). For further information concerning the identification of... CORPORATION Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation Has... Federal Deposit Insurance Corporation (Corporation) has been appointed the sole receiver for the...

  1. 76 FR 42125 - Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-07-18

    ... the July 2, 1992 issue of the Federal Register (57 FR 29491). For further information concerning the... CORPORATION Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation Has... that the Federal Deposit Insurance ] Corporation (Corporation) has been appointed the sole receiver...

  2. 75 FR 36656 - Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-06-28

    ... issue of the Federal Register (57 FR 29491). For further information concerning the identification of... CORPORATION Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation Has... Federal Deposit Insurance Corporation (Corporation) has been appointed the sole receiver for the...

  3. 75 FR 65484 - Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-10-25

    ... issue of the Federal Register (57 FR 29491). For further information concerning the identification of... CORPORATION Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation Has... Federal Deposit Insurance Corporation (Corporation) has been appointed the sole receiver for the...

  4. Health Insurance: Understanding Your Health Plan's Rules

    MedlinePlus

    ... have to pay more for it. Your insurance company can give you a list of drugs that are on the formulary. If necessary, show the list to your doctor when he or she writes you a ... for help. SourceInformation adapted from "Understanding Your Health ...

  5. Designing health insurance exchanges: key decisions.

    PubMed

    Starc, Amanda; Kolstad, Jonathan T

    2012-02-01

    A cornerstone of health care reform is the establishment of state-level insurance exchanges where individuals and small businesses can purchase health insurance in an online marketplace. States are required to develop an exchange by 2014, or participate in a federal one. The exchanges will help people without employer-sponsored insurance find and choose a health plan to meet their needs. This Issue Brief reviews the experience of Massachusetts in developing a health insurance exchange and offers policymakers guidance on key features and likely consumer responses. PMID:22451998

  6. Changing Awareness of the Health Insurance Marketplace

    PubMed Central

    Agarwal, Parul; Fitzgerald, Paula

    2015-01-01

    The Health Insurance Marketplace was designed to increase the affordability of health insurance. The success of the marketplace depends on people’s awareness and use of it. In a statewide mail survey of West Virginians, we found that respondents’ awareness of the West Virginia Health Insurance Marketplace increased from 2013 to 2014. However, large percentages of respondents continued to be unaware of the availability of federal subsidies and were unsure of their personal eligibility for these subsidies. It is essential that awareness and enrollment efforts continue and that they be expanded in novel ways to continue growth in access to health insurance through the marketplace. PMID:26447917

  7. Changing Awareness of the Health Insurance Marketplace.

    PubMed

    Bias, Thomas K; Agarwal, Parul; Fitzgerald, Paula

    2015-11-01

    The Health Insurance Marketplace was designed to increase the affordability of health insurance. The success of the marketplace depends on people's awareness and use of it. In a statewide mail survey of West Virginians, we found that respondents' awareness of the West Virginia Health Insurance Marketplace increased from 2013 to 2014. However, large percentages of respondents continued to be unaware of the availability of federal subsidies and were unsure of their personal eligibility for these subsidies. It is essential that awareness and enrollment efforts continue and that they be expanded in novel ways to continue growth in access to health insurance through the marketplace. PMID:26447917

  8. 3 CFR - State Children's Health Insurance Program

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 3 The President 1 2010-01-01 2010-01-01 false State Children's Health Insurance Program Presidential Documents Other Presidential Documents Memorandum of February 4, 2009 State Children's Health Insurance Program Memorandum for the Secretary of Health and Human Services The State Children's...

  9. BEHAVIORAL HAZARD IN HEALTH INSURANCE*

    PubMed Central

    Baicker, Katherine; Mullainathan, Sendhil; Schwartzstein, Joshua

    2015-01-01

    A fundamental implication of standard moral hazard models is overuse of low-value medical care because copays are lower than costs. In these models, the demand curve alone can be used to make welfare statements, a fact relied on by much empirical work. There is ample evidence, though, that people misuse care for a different reason: mistakes, or “behavioral hazard.” Much high-value care is underused even when patient costs are low, and some useless care is bought even when patients face the full cost. In the presence of behavioral hazard, welfare calculations using only the demand curve can be off by orders of magnitude or even be the wrong sign. We derive optimal copay formulas that incorporate both moral and behavioral hazard, providing a theoretical foundation for value-based insurance design and a way to interpret behavioral “nudges.” Once behavioral hazard is taken into account, health insurance can do more than just provide financial protection—it can also improve health care efficiency. PMID:23930294

  10. Why not private health insurance? 1. Insurance made easy.

    PubMed

    Deber, R; Gildiner, A; Baranek, P

    1999-09-01

    How realistic are proposals to expand the financing of Canadian health care through private insurance, either in a parallel stream or an expanded supplementary tier? Any successful business requires that revenues exceed expenditures. Under a voluntary health insurance plan those at highest risk would be the most likely to seek coverage; insurers working within a competitive market would have to limit their financial risk through such mechanisms as "risk selection" to avoid clients likely to incur high costs and/or imposing caps on the costs covered. It is unlikely that parallel private plans will have a market if a comprehensive public insurance system continues to exist and function well. Although supplementary plans are more congruous with insurance principles, they would raise costs for purchasers and would probably not provide full open-ended coverage to all potential clients. Insurance principles suggest that voluntary insurance plans that shift costs to the private sector would damage the publicly funded system and would be unable to cover costs for all services required. PMID:10497613

  11. Why not private health insurance? 1. Insurance made easy

    PubMed Central

    Deber, R; Gildiner, A; Baranek, P

    1999-01-01

    How realistic are proposals to expand the financing of Canadian health care through private insurance, either in a parallel stream or an expanded supplementary tier? Any successful business requires that revenues exceed expenditures. Under a voluntary health insurance plan those at highest risk would be the most likely to seek coverage; insurers working within a competitive market would have to limit their financial risk through such mechanisms as "risk selection" to avoid clients likely to incur high costs and/or imposing caps on the costs covered. It is unlikely that parallel private plans will have a market if a comprehensive public insurance system continues to exist and function well. Although supplementary plans are more congruous with insurance principles, they would raise costs for purchasers and would probably not provide full open-ended coverage to all potential clients. Insurance principles suggest that voluntary insurance plans that shift costs to the private sector would damage the publicly funded system and would be unable to cover costs for all services required. PMID:10497613

  12. Health insurance--a challenge in India.

    PubMed

    Presswala, R G

    2004-01-01

    In India, indemnity health insurance started about 3 decades ago. Mediclaim was the most popular product. Indian insurers and multinational companies have not been enthusiastic about starting health insurance in spite of the availability of a good market because health insurers have historically incurred losses. Losses have been caused by poor administration. Because it is a small portion of their total businesses, insurers have never tried sincerely to improve deficiencies or taken special interest. Hospital management and medical specialists have the spirit of entrepreneurship and are prepared to learn quickly and follow managed care principles, though they are not currently practiced in India. Actuarial data from the health insurance industry is sparse, but data from alternative sources will be helpful for starting managed healthcare. In my opinion, if properly administered, a "limited" managed care product with appropriate precautions and premium levels will be successful and profitable and will compete with present indemnity products in India. PMID:15104031

  13. Health insurance reform: labor versus health perspectives.

    PubMed

    Ammar, Walid; Awar, May

    2012-01-01

    The Ministry of Labor (MOL) has submitted to the Council of Ministers a social security reform plan. The Ministry of Public Health (MOPH) considers that health financing should be dealt with as part of a more comprehensive health reform plan that falls under its prerogatives. While a virulent political discussion is taking place, major stakeholders' inputs are very limited and civil society is totally put away from the whole policy making process. The role of the media is restricted to reproducing political disputes, without meaningful substantive debate. This paper discusses health insurance reform from labor market as well as public health perspectives, and aims at launching a serious public debate on this crucial issue that touches the life of every citizen. PMID:22645894

  14. Competition between health maintenance organizations and nonintegrated health insurance companies in health insurance markets.

    PubMed

    Baranes, Edmond; Bardey, David

    2015-12-01

    This article examines a model of competition between two types of health insurer: Health Maintenance Organizations (HMOs) and nonintegrated insurers. HMOs vertically integrate health care providers and pay them at a competitive price, while nonintegrated health insurers work as indemnity plans and pay the health care providers freely chosen by policyholders at a wholesale price. Such difference is referred to as an input price effect which, at first glance, favors HMOs. Moreover, we assume that policyholders place a positive value on the provider diversity supplied by their health insurance plan and that this value increases with the probability of disease. Due to the restricted choice of health care providers in HMOs a risk segmentation occurs: policyholders who choose nonintegrated health insurers are characterized by higher risk, which also tends to favor HMOs. Our equilibrium analysis reveals that the equilibrium allocation only depends on the number of HMOs in the case of exclusivity contracts between HMOs and providers. Surprisingly, our model shows that the interplay between risk segmentation and input price effects may generate ambiguous results. More precisely, we reveal that vertical integration in health insurance markets may decrease health insurers' premiums. PMID:26608954

  15. NATIONAL EMPLOYER HEALTH INSURANCE SURVEY (NEHIS)

    EPA Science Inventory

    The National Employer Health Insurance Survey (NEHIS) was developed to produce estimates on employer-sponsored health insurance data in the United States. The NEHIS was the first Federal survey to represent all employers in the United States by State and obtain information on all...

  16. 12 CFR 1400.3 - Organization of the Farm Credit System Insurance Corporation.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Organization of the Farm Credit System Insurance Corporation. 1400.3 Section 1400.3 Banks and Banking FARM CREDIT SYSTEM INSURANCE CORPORATION ORGANIZATION AND FUNCTIONS Organization and Functions § 1400.3 Organization of the Farm Credit System...

  17. 12 CFR 1400.2 - Board of Directors of the Farm Credit System Insurance Corporation.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 12 Banks and Banking 7 2011-01-01 2011-01-01 false Board of Directors of the Farm Credit System Insurance Corporation. 1400.2 Section 1400.2 Banks and Banking FARM CREDIT SYSTEM INSURANCE CORPORATION ORGANIZATION AND FUNCTIONS Organization and Functions § 1400.2 Board of Directors of the Farm Credit...

  18. 12 CFR 1400.3 - Organization of the Farm Credit System Insurance Corporation.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 12 Banks and Banking 9 2012-01-01 2012-01-01 false Organization of the Farm Credit System Insurance Corporation. 1400.3 Section 1400.3 Banks and Banking FARM CREDIT SYSTEM INSURANCE CORPORATION ORGANIZATION AND FUNCTIONS Organization and Functions § 1400.3 Organization of the Farm Credit System...

  19. 12 CFR 1400.3 - Organization of the Farm Credit System Insurance Corporation.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 12 Banks and Banking 7 2011-01-01 2011-01-01 false Organization of the Farm Credit System Insurance Corporation. 1400.3 Section 1400.3 Banks and Banking FARM CREDIT SYSTEM INSURANCE CORPORATION ORGANIZATION AND FUNCTIONS Organization and Functions § 1400.3 Organization of the Farm Credit System...

  20. 12 CFR 1400.2 - Board of Directors of the Farm Credit System Insurance Corporation.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 12 Banks and Banking 9 2012-01-01 2012-01-01 false Board of Directors of the Farm Credit System Insurance Corporation. 1400.2 Section 1400.2 Banks and Banking FARM CREDIT SYSTEM INSURANCE CORPORATION ORGANIZATION AND FUNCTIONS Organization and Functions § 1400.2 Board of Directors of the Farm Credit...

  1. 12 CFR 1400.2 - Board of Directors of the Farm Credit System Insurance Corporation.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Board of Directors of the Farm Credit System... ORGANIZATION AND FUNCTIONS Organization and Functions § 1400.2 Board of Directors of the Farm Credit System Insurance Corporation. The Board of Directors of the Farm Credit System Insurance Corporation is...

  2. 41 CFR 60-741.25 - Health insurance, life insurance and other benefit plans.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... Health insurance, life insurance and other benefit plans. (a) An insurer, hospital, or medical service company, health maintenance organization, or any agent or entity that administers benefit plans, or... 41 Public Contracts and Property Management 1 2010-07-01 2010-07-01 true Health insurance,...

  3. Tax subsidies for private health insurance.

    PubMed

    Williams, Claudia; Burman, Len; Uccello, Cori; Wheaton, Laura; Kobes, Deborah; Khitatrakun, Surachai; Goodell, Sarah

    2003-05-01

    The exclusion from income and payroll taxes for employer-paid health insurance premiums amounted to more than $240 billion in 2010. As policy-makers search for ways to pay for health care reform and contain health care costs, this exclusion is coming under scrutiny, despite the fact that employee-sponsored insurance (ESI) is an integral part of the health insurance system. This update of a 2003 synthesis looks at the tax subsidy for private health insurance. Key findings include: The current tax subsidy benefits higher-income workers the most. The tax exclusion is worth more to those in higher tax brackets, higher-income workers are three times more likely to work for firms who offer ESI than lower-income workers, and they are more likely to purchase ESI when offered because they can afford it. Families earning $10,000 to $20,000 annually spend more than 25 percent of their income on health insurance but the value of their tax subsidy is only $1,500. By contrast, earners over $200,000 spend less than 5 percent on health insurance but their benefit is worth $4,500. Workers who cannot afford ESI or are ineligible, including the self-employed and many part-time workers, do not receive this subsidy when they purchase private, non-group coverage. PMID:22052181

  4. Manufacturing firms' decisions regarding retiree health insurance.

    PubMed

    Born, Patricia H; Zawacki, Alice M

    2006-01-01

    The trend for employers to discontinue offering retiree health insurance has profound implications for a large and growing share of the U.S. older population. The authors explore factors related to the firm's decision to offer and contribute to retiree health insurance using data from manufacturing firms. Their findings indicate that while firm characteristics, such as size and age, affect the probability that a firm offers retiree health insurance, employer contributions to this benefit are significantly related to the firm's financial performance and the alternative insurance options available in the market. The article concludes with a brief discussion of policy-related measures with potentially important implications for the future of retiree health benefits. PMID:16792390

  5. 42 CFR 457.348 - Determinations of Children's Health Insurance Program eligibility by other insurance...

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... 42 Public Health 4 2013-10-01 2013-10-01 false Determinations of Children's Health Insurance Program eligibility by other insurance affordability programs. 457.348 Section 457.348 Public Health CENTERS FOR MEDICARE & MEDICAID SERVICES, DEPARTMENT OF HEALTH AND HUMAN SERVICES (CONTINUED) STATE CHILDREN'S HEALTH INSURANCE PROGRAMS...

  6. 41 CFR 60-250.25 - Health insurance, life insurance and other benefit plans.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 41 Public Contracts and Property Management 1 2010-07-01 2010-07-01 true Health insurance, life... SEPARATED VETERANS, AND OTHER PROTECTED VETERANS Discrimination Prohibited § 60-250.25 Health insurance, life insurance and other benefit plans. (a) An insurer, hospital, or medical service company,...

  7. 41 CFR 60-300.25 - Health insurance, life insurance and other benefit plans.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 41 Public Contracts and Property Management 1 2010-07-01 2010-07-01 true Health insurance, life... VETERANS, AND ARMED FORCES SERVICE MEDAL VETERANS Discrimination Prohibited § 60-300.25 Health insurance, life insurance and other benefit plans. (a) An insurer, hospital, or medical service company,...

  8. Smart Choice Health Insurance©: A New, Interdisciplinary Program to Enhance Health Insurance Literacy.

    PubMed

    Brown, Virginia; Russell, Mia; Ginter, Amanda; Braun, Bonnie; Little, Lynn; Pippidis, Maria; McCoy, Teresa

    2016-03-01

    Smart Choice Health Insurance© is a consumer education program based on the definition and emerging measurement of health insurance literacy and a review of literature and appropriate theoretical frameworks. An interdisciplinary team of financial and health educators was formed to develop and pilot the program, with the goal of reducing confusion and increasing confidence in the consumer's ability to make a smart health insurance decision. Educators in seven states, certified to teach the program, conducted workshops for 994 consumers. Results show statistically significant evidence of increased health insurance literacy, confidence, and capacity to make a smart choice health insurance choice. Discussion centers on the impact the program had on specific groups, next steps to reach a larger audience, and implications for educators, consumers, and policymakers nationwide. PMID:26721502

  9. 77 FR 35964 - Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-06-15

    ...Notice is hereby given that the Federal Deposit Insurance Corporation (Corporation) has been appointed the sole receiver for the following financial institutions effective as of the Date Closed as indicated in the listing. This list (as updated from time to time in the Federal Register) may be relied upon as ``of record'' notice that the Corporation has been appointed receiver for purposes of......

  10. 75 FR 44260 - Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-07-28

    ...Notice is hereby given that the Federal Deposit Insurance Corporation (Corporation) has been appointed the sole receiver for the following financial institutions effective as of the Date Closed as indicated in the listing. This list (as updated from time to time in the Federal Register) may be relied upon as ``of record'' notice that the Corporation has been appointed receiver for purposes of......

  11. 76 FR 71968 - Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-11-21

    ...Notice is hereby given that the Federal Deposit Insurance Corporation (Corporation) has been appointed the sole receiver for the following financial institutions effective as of the Date Closed as indicated in the listing. This list (as updated from time to time in the Federal Register) may be relied upon as ``of record'' notice that the Corporation has been appointed receiver for purposes of......

  12. 77 FR 16453 - Student Health Insurance Coverage

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-03-21

    ... proposed rule (76 FR 7767) regarding section 1560(c) entitled ``Student Health Insurance Coverage.'' In the... Departments), published interim final rules (IFR) with request for comments (76 FR 46621) amending the Interim... From the Federal Register Online via the Government Publishing Office DEPARTMENT OF HEALTH...

  13. Can Health Insurance Reduce School Absenteeism?

    ERIC Educational Resources Information Center

    Yeung, Ryan; Gunton, Bradley; Kalbacher, Dylan; Seltzer, Jed; Wesolowski, Hannah

    2011-01-01

    Enacted in 1997, the State Children's Health Insurance Program (SCHIP) represented the largest expansion of U.S. public health care coverage since the passage of Medicare and Medicaid 32 years earlier. Although the program has recently been reauthorized, there remains a considerable lack of thorough and well-designed evaluations of the program. In…

  14. Student Health Insurance: Problems and Solutions

    ERIC Educational Resources Information Center

    Wagner, Robin

    2006-01-01

    Student health insurance experiences the same inflationary trends as employee benefits, but is rarely viewed as a significant direct cost to an institution, nor is the bill as high as the costs associated with employee health plans. Several long-term solutions and strategies that could help colleges to contain the ever-escalating cost of providing…

  15. Many Hispanics, Poor Still Without Health Insurance: Report

    MedlinePlus

    ... fullstory_160507.html Many Hispanics, Poor Still Without Health Insurance: Report Majority live in states that haven't ... 2016 (HealthDay News) -- Despite an overall rise in health insurance coverage among all Americans, Hispanics, low-income earners ...

  16. 45 CFR 147.102 - Fair health insurance premiums.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... 45 Public Welfare 1 2014-10-01 2014-10-01 false Fair health insurance premiums. 147.102 Section 147.102 Public Welfare Department of Health and Human Services REQUIREMENTS RELATING TO HEALTH CARE ACCESS HEALTH INSURANCE REFORM REQUIREMENTS FOR THE GROUP AND INDIVIDUAL HEALTH INSURANCE MARKETS §...

  17. 45 CFR 147.145 - Student health insurance coverage.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... 45 Public Welfare 1 2014-10-01 2014-10-01 false Student health insurance coverage. 147.145 Section 147.145 Public Welfare Department of Health and Human Services REQUIREMENTS RELATING TO HEALTH CARE ACCESS HEALTH INSURANCE REFORM REQUIREMENTS FOR THE GROUP AND INDIVIDUAL HEALTH INSURANCE MARKETS §...

  18. 45 CFR 147.102 - Fair health insurance premiums.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... 45 Public Welfare 1 2013-10-01 2013-10-01 false Fair health insurance premiums. 147.102 Section 147.102 Public Welfare DEPARTMENT OF HEALTH AND HUMAN SERVICES REQUIREMENTS RELATING TO HEALTH CARE ACCESS HEALTH INSURANCE REFORM REQUIREMENTS FOR THE GROUP AND INDIVIDUAL HEALTH INSURANCE MARKETS §...

  19. 45 CFR 147.145 - Student health insurance coverage.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... 45 Public Welfare 1 2013-10-01 2013-10-01 false Student health insurance coverage. 147.145 Section 147.145 Public Welfare DEPARTMENT OF HEALTH AND HUMAN SERVICES REQUIREMENTS RELATING TO HEALTH CARE ACCESS HEALTH INSURANCE REFORM REQUIREMENTS FOR THE GROUP AND INDIVIDUAL HEALTH INSURANCE MARKETS §...

  20. 45 CFR 147.145 - Student health insurance coverage.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... 45 Public Welfare 1 2012-10-01 2012-10-01 false Student health insurance coverage. 147.145 Section 147.145 Public Welfare DEPARTMENT OF HEALTH AND HUMAN SERVICES REQUIREMENTS RELATING TO HEALTH CARE ACCESS HEALTH INSURANCE REFORM REQUIREMENTS FOR THE GROUP AND INDIVIDUAL HEALTH INSURANCE MARKETS §...

  1. [Community financing for health care in Africa: mutual health insurance].

    PubMed

    Richard, V

    2005-01-01

    Health care in sub-Saharan Africa is increasingly financed by direct payments from the population. Mutual health insurance plans are developing to ensure better risk sharing. However mutual health insurance cannot fully resolve all equity issues. The low resources available for contribution and the limited availability of care services especially in the public sector cannot guarantee the quality of care necessary for the development of mutual health insurance. National governments must not forget their responsibility especially for defining and ensuring basic services that must be accessible to all. Will mutual health insurance plans be a stepping-stone to universal health care coverage and can these plans be successfully implemented in the context of an informal economy? PMID:15903084

  2. The effects of health shocks on employment and health insurance: the role of employer-provided health insurance.

    PubMed

    Bradley, Cathy J; Neumark, David; Motika, Meryl

    2012-12-01

    Employment-contingent health insurance (ECHI) has been criticized for tying insurance to continued employment. Our research sheds light on two central issues regarding employment-contingent health insurance: whether such insurance "locks" people who experience a health shock into remaining at work; and whether it puts people at risk for insurance loss upon the onset of illness, because health shocks pose challenges to continued employment. We study how men's dependence on their own employer for health insurance affects labor supply responses and health insurance coverage following a health shock. We use the Health and Retirement Study (HRS) surveys from 1996 through 2008 to observe employment and health insurance status at interviews 2 years apart, and whether a health shock occurred in the intervening period between the interviews. All employed married men with health insurance either through their own employer or their spouse's employer, interviewed in at least two consecutive HRS waves with non-missing data on employment, insurance, health, demographic, and other variables, and under age 64 at the second interview are included in the study sample. We then limited the sample to men who were initially healthy. Our analytical sample consisted of 1,582 men of whom 1,379 had ECHI at the first interview, while 203 were covered by their spouse's employer. Hospitalization affected 209 men with ECHI and 36 men with spouse insurance. A new disease diagnosis was reported by 103 men with ECHI and 22 men with other insurance. There were 171 men with ECHI and 25 men with spouse employer insurance who had a self-reported health decline. Labor supply response differences associated with ECHI-with men with health shocks and ECHI more likely to continue working-appear to be driven by specific types of health shocks associated with future higher health care costs but not with immediate increases in morbidity that limit continued employment. Men with ECHI who have a self

  3. 75 FR 32468 - Farm Credit System Insurance Corporation Board; Regular Meeting

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-06-08

    ... Credit Administration in McLean, Virginia, on June 10, 2010, from 1 p.m. until such time as the Board... Insurance Corporation, 1501 Farm Credit Drive, McLean, Virginia 22102. SUPPLEMENTARY INFORMATION: Parts...

  4. 78 FR 34660 - Farm Credit System Insurance Corporation Board; Regular Meeting

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-06-10

    ... offices of the Farm Credit Administration in McLean, Virginia, on June 13, 2013, from 1:00 p.m. until such...: Farm Credit System Insurance Corporation, 1501 Farm Credit Drive, McLean, Virginia 22102....

  5. 78 FR 55074 - Farm Credit System Insurance Corporation Board; Regular Meeting

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-09-09

    ... the Farm Credit Administration in McLean, Virginia, on September 12, 2013, from 1:00 p.m. until such...: Farm Credit System Insurance Corporation, 1501 Farm Credit Drive, McLean, Virginia 22102....

  6. 78 FR 20106 - Farm Credit System Insurance Corporation Board; Regular Meeting

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-04-03

    ... offices of the Farm Credit Administration in McLean, Virginia, on April 11, 2013, from 1:00 p.m. until.... ADDRESSES: Farm Credit System Insurance Corporation, 1501 Farm Credit Drive, McLean, Virginia...

  7. 76 FR 76409 - Meeting of the Farm Credit System Insurance Corporation Board

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-12-07

    ... offices of the Farm Credit Administration in McLean, Virginia, on December 8, 2011, from 1 p.m. until such...: Farm Credit System Insurance Corporation, 1501 Farm Credit Drive, McLean, Virginia 22102....

  8. 77 FR 35384 - Farm Credit System Insurance Corporation Board; Regular Meeting

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-06-13

    ... the Farm Credit Administration in McLean, Virginia, on June 14, 2012, from 1:00 p.m. until such time...: Farm Credit System Insurance Corporation, 1501 Farm Credit Drive, McLean, Virginia 22102....

  9. 77 FR 74183 - Farm Credit System Insurance Corporation Board; Regular Meeting

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-12-13

    ... the Farm Credit Administration in McLean, Virginia, on December 13, 2012, from 1:00 p.m. until such...: Farm Credit System Insurance Corporation, 1501 Farm Credit Drive, McLean, Virginia 22102....

  10. Health Care for the Wongs: Health Insurance, Choosing a Doctor.

    ERIC Educational Resources Information Center

    Thypin, Marilyn; Glasner, Lynne

    A short fictional work for limited English speakers presents a young family's experience in learning about the value of health insurance and the importance of having a physician when medical care is needed. Information is related regarding insurance acquired through one's place of employment and the availability of medical assistance, through…

  11. Operationalizing universal health coverage in Nigeria through social health insurance.

    PubMed

    Okpani, Arnold Ikedichi; Abimbola, Seye

    2015-01-01

    Nigeria faces challenges that delay progress toward the attainment of the national government's declared goal of universal health coverage (UHC). One such challenge is system-wide inequities resulting from lack of financial protection for the health care needs of the vast majority of Nigerians. Only a small proportion of Nigerians have prepaid health care. In this paper, we draw on existing evidence to suggest steps toward reforming health care financing in Nigeria to achieve UHC through social health insurance. This article sets out to demonstrate that a viable path to UHC through expanding social health insurance exists in Nigeria. We argue that encouraging the states which are semi-autonomous federating units to setup and manage their own insurance schemes presents a unique opportunity for rapidly scaling up prepaid coverage for Nigerians. We show that Nigeria's federal structure which prescribes a sharing of responsibilities for health care among the three tiers of government presents serious challenges for significantly extending social insurance to uncovered groups. We recommend that rather than allowing this governance structure to impair progress toward UHC, it should be leveraged to accelerate the process by supporting the states to establish and manage their own insurance funds while encouraging integration with the National Health Insurance Scheme. PMID:26778879

  12. Operationalizing universal health coverage in Nigeria through social health insurance

    PubMed Central

    Okpani, Arnold Ikedichi; Abimbola, Seye

    2015-01-01

    Nigeria faces challenges that delay progress toward the attainment of the national government's declared goal of universal health coverage (UHC). One such challenge is system-wide inequities resulting from lack of financial protection for the health care needs of the vast majority of Nigerians. Only a small proportion of Nigerians have prepaid health care. In this paper, we draw on existing evidence to suggest steps toward reforming health care financing in Nigeria to achieve UHC through social health insurance. This article sets out to demonstrate that a viable path to UHC through expanding social health insurance exists in Nigeria. We argue that encouraging the states which are semi-autonomous federating units to setup and manage their own insurance schemes presents a unique opportunity for rapidly scaling up prepaid coverage for Nigerians. We show that Nigeria's federal structure which prescribes a sharing of responsibilities for health care among the three tiers of government presents serious challenges for significantly extending social insurance to uncovered groups. We recommend that rather than allowing this governance structure to impair progress toward UHC, it should be leveraged to accelerate the process by supporting the states to establish and manage their own insurance funds while encouraging integration with the National Health Insurance Scheme. PMID:26778879

  13. Risk Selection under Public Health Insurance with Opt-Out.

    PubMed

    Panthöfer, Sebastian

    2016-09-01

    This paper studies risk selection between public and private health insurance when some, but not all, individuals can opt out of otherwise mandatory public insurance. Using a theoretical model, I show that public insurance is adversely selected when insurers and insureds are symmetrically informed about health-related risks, and that there can be adverse or advantageous selection when insureds are privately informed. Using data from the German Socio-Economic Panel, I find that (i) public insurance is, on balance, adversely selected under the German public health insurance with opt out scheme, (ii) individuals advantageously select public insurance based on risk aversion and residential location, and (iii) there is suggestive evidence of asymmetric information in the market for private health insurance. Copyright © 2016 John Wiley & Sons, Ltd. PMID:27237082

  14. Health insurance and the obesity externality.

    PubMed

    Bhattacharya, Jay; Sood, Neeraj

    2007-01-01

    If rational individuals pay the full costs of their decisions about food intake and exercise, economists, policy makers, and public health officials should treat the obesity epidemic as a matter of indifference. In this paper, we show that, as long as insurance premiums are not risk rated for obesity, health insurance coverage systematically shields those covered from the full costs of physical inactivity and overeating. Since the obese consume significantly more medical resources than the non-obese, but pay the same health insurance premiums, they impose a negative externality on normal weight individuals in their insurance pool. To estimate the size of this externality, we develop a model of weight loss and health insurance under two regimes--(1) underwriting on weight is allowed and (2) underwriting on weight is not allowed. We show that under regime (1), there is no obesity externality. Under regime (2), where there is an obesity externality, all plan participants face inefficient incentives to undertake unpleasant dieting and exercise. These reduced incentives lead to inefficient increases in bodyweight, and reduced social welfare. Using data on medical expenditures and bodyweight from the National Health and Interview Survey and the Medical Expenditure Panel Survey, we estimate that, in a health plan with a coinsurance rate of 17.5%, the obesity externality imposes a welfare cost of about $150 per capita. Our results also indicate that the welfare loss can be reduced by technological change that lowers the pecuniary and non-pecuniary costs of losing weight, and also by increasing the coinsurance rate. PMID:19548556

  15. 77 FR 3810 - New York Life Insurance and Annuity Corporation, et al., Notice of Application

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-01-25

    ... COMMISSION New York Life Insurance and Annuity Corporation, et al., Notice of Application January 19, 2012... Section 17(b) of the 1940 Act from Section 17(a) of the 1940 Act. Applicants: New York Life Insurance and...''), NYLIAC Variable Annuity Separate Account--IV (``VA IV''), NYLIAC Variable Universal Life Separate...

  16. Welfare Reform and Health Insurance of Immigrants

    PubMed Central

    Kaushal, Neeraj; Kaestner, Robert

    2005-01-01

    Objective To investigate the effect of the Personal Responsibility and Work Opportunity Reconciliation Act (PRWORA) on the health insurance coverage of foreign- and U.S.-born families headed by low-educated women. Data Source Secondary data from the March series of the Current Population Surveys for 1994–2001. Study Design Multivariate regression methods and a pre- and post-test with comparison group research design (difference-in-differences) are used to estimate the effect of welfare reform on the health insurance coverage of low-educated, foreign- and U.S.-born unmarried women and their children. Heterogenous responses by states to create substitute Temporary Aid to Needy Families or Medicaid programs for newly arrived immigrants are used to investigate whether the estimated effect of PRWORA on newly arrived immigrants is related to the actual provisions of the law, or the result of fears engendered by the law. Principal Findings PRWORA increased the proportion of uninsured among low-educated, foreign-born, unmarried women by 9.9–10.7 percentage points. In contrast, the effect of PRWORA on the health insurance coverage of similar U.S.-born women is negligible. PRWORA also increased the proportion of uninsured among foreign-born children living with low-educated, single mothers by 13.5 percentage points. Again, the policy had little effect on the health insurance coverage of the children of U.S.-born, low-educated single mothers. There is some evidence that the fear and uncertainty engendered by the law had an effect on immigrant health insurance coverage. Conclusions This research demonstrates that PRWORA adversely affected the health insurance of low-educated, unmarried, immigrant women and their children. In the case of unmarried women, it may be partly because the jobs that they obtained in response to PRWORA were less likely to provide health insurance. The research also suggests that PRWORA may have engendered fear among immigrants and dampened their

  17. Ethical assessment of national health insurance system of Korea.

    PubMed

    Lee, Yuri; Kim, Soyoon; Kim, Ganglip

    2012-09-01

    The current adverse effects of the health insurance system in Korea are considered to be problems that arise from an insufficient reflection of the notion of respecting human rights. The ethical principles most commonly suggested and used in public health are the 4 principles suggested by Beauchamp and Childress in 1994. From the perspective of the community, these 4 principles of medical ethics can be expanded to resolve problems surrounding existing social systems from a socialistic standpoint. This article describes a flexible, easy-to-use model for incorporating the 4 medical ethics principles into the National Health Insurance System (NHIS). First, the principle of respect for autonomy involves respecting the decision-making capacities of autonomous medical consumers and providers and enabling individuals to make reasoned and informed choices. Second is the principle of good practice. The government and medical institutions should act in a way that benefits the health care consumers. The principle of prohibiting bad practice involves avoiding causing health problems. The National Health Insurance Corporation and health care providers should not harm the health care consumers. Finally, the principle of justice is concerned with distributing benefits, risks, and costs fairly-that is, the notion that patients in similar positions should be treated in a similar manner. If these problems are solved, health system quality could be better and more accessible and sustainable. The ethical assessment of the NHIS could be a trial to match the 4 medical ethics principles and the NHIS. It can be applied internationally to relevant policy makers in different settings. PMID:23093517

  18. Many Unfamiliar with Health Insurance Lingo, Study Says

    MedlinePlus

    ... medlineplus/news/fullstory_157734.html Many Unfamiliar With Health Insurance Lingo, Study Says Texas survey found words like ' ... of adults in Texas don't understand basic health insurance terms, a new report finds. Poor, uninsured and ...

  19. Health Insurance Status May Affect Cancer Patients' Survival

    MedlinePlus

    ... page: https://medlineplus.gov/news/fullstory_160304.html Health Insurance Status May Affect Cancer Patients' Survival 2 studies ... certain cancers in America could depend on your health insurance status. Despite improvements in cancer diagnosis and treatment, ...

  20. Consumer preferences in social health insurance.

    PubMed

    Kerssens, Jan J; Groenewegen, Peter P

    2005-03-01

    Allowing consumers greater choice of health plans is believed to be the key to high quality and low costs in social health insurance. This study investigates consumer preferences (361 persons, response rate 43%) for hypothetical health plans which differed in 12 characteristics (premium, deductibles, no-claim discount, extension of insurance and financial services, red tape involved, medical help-desk, choice of family physicians and hospitals, dental benefits, physical therapy benefits, benefits for prescription drugs and homeopathy). In 90% the health plan with the most attractive characteristics was preferred, indicating a predominantly rational kind of choice. The most decisive characteristics for preference were: complete dental benefits, followed by zero deductibles, and free choice of hospitals. PMID:15452743

  1. Corporate moral responsibility in health care.

    PubMed

    Wilmot, S

    2000-01-01

    The question of corporate moral responsibility--of whether it makes sense to hold an organisation corporately morally responsible for its actions, rather than holding responsible the individuals who contributed to that action--has been debated over a number of years in the business ethics literature. However, it has had little attention in the world of health care ethics. Health care in the United Kingdom (UK) is becoming an increasingly corporate responsibility, so the issue is increasingly relevant in the health care context, and it is worth considering whether the specific nature of health care raises special questions around corporate moral responsibility. For instance, corporate responsibility has usually been considered in the context of private corporations, and the organisations of health care in the UK are mainly state bodies. However, there is enough similarity in relevant respects between state organisations and private corporations, for the question of corporate responsibility to be equally applicable. Also, health care is characterised by professions with their own systems of ethical regulation. However, this feature does not seriously diminish the importance of the corporate responsibility issue, and the importance of the latter is enhanced by recent developments. But there is one major area of difference. Health care, as an activity with an intrinsically moral goal, differs importantly from commercial activities that are essentially amoral, in that it narrows the range of opportunities for corporate wrongdoing, and also makes such organisations more difficult to punish. PMID:11079341

  2. Does Retiree Health Insurance Encourage Early Retirement?*

    PubMed Central

    Nyce, Steven; Schieber, Sylvester J.; Shoven, John B.; Slavov, Sita Nataraj; Wise, David A.

    2013-01-01

    The strong link between health insurance and employment in the United States may cause workers to delay retirement until they become eligible for Medicare at age 65. However, some employers extend health insurance benefits to their retirees, and individuals who are eligible for such retiree health benefits need not wait until age 65 to retire with group health coverage. We investigate the impact of retiree health insurance on early retirement using employee-level data from 54 diverse firms that are clients of Towers Watson, a leading benefits consulting firm. We find that retiree health coverage has its strongest effects at ages 62 through 64. Coverage that includes an employer contribution is associated with a 6.3 percentage point (36.2 percent) increase in the probability of turnover at age 62, a 7.7 percentage point (48.8 percent) increase in the probability of turnover at age 63, and a 5.5 percentage point (38.0 percent) increase in the probability of turnover at age 64. Conditional on working at age 57, such coverage reduces the expected retirement age by almost three months and reduces the total number of person-years worked between ages 58 and 64 by 5.6 percent. PMID:24039312

  3. Does Retiree Health Insurance Encourage Early Retirement?

    PubMed

    Nyce, Steven; Schieber, Sylvester J; Shoven, John B; Slavov, Sita Nataraj; Wise, David A

    2013-08-01

    The strong link between health insurance and employment in the United States may cause workers to delay retirement until they become eligible for Medicare at age 65. However, some employers extend health insurance benefits to their retirees, and individuals who are eligible for such retiree health benefits need not wait until age 65 to retire with group health coverage. We investigate the impact of retiree health insurance on early retirement using employee-level data from 54 diverse firms that are clients of Towers Watson, a leading benefits consulting firm. We find that retiree health coverage has its strongest effects at ages 62 through 64. Coverage that includes an employer contribution is associated with a 6.3 percentage point (36.2 percent) increase in the probability of turnover at age 62, a 7.7 percentage point (48.8 percent) increase in the probability of turnover at age 63, and a 5.5 percentage point (38.0 percent) increase in the probability of turnover at age 64. Conditional on working at age 57, such coverage reduces the expected retirement age by almost three months and reduces the total number of person-years worked between ages 58 and 64 by 5.6 percent. PMID:24039312

  4. America's Children: Health Insurance and Access to Care.

    ERIC Educational Resources Information Center

    Edmunds, Margaret, Ed.; Coye, Molly Joel, Ed.

    The National Academy of Sciences Committee on Children, Health Insurance, and Access to Care was assembled to address questions about health insurance for children, evaluating the strengths and limitations of insurance as a means of improving children's health from a variety of approaches and policies. Meeting between March 1997 and January 1998,…

  5. Why Employed Latinos Lack Health Insurance: A Study in California

    ERIC Educational Resources Information Center

    Greenwald, Howard P.; O'Keefe, Suzanne; DiCamillo, Mark

    2005-01-01

    This article assesses the relative importance of several factors believed to reduce the likelihood of health insurance coverage among working Latinos in California, including cost, immigration history, availability of insurance, beliefs about insurance, and beliefs about health and health care. According to a survey of 1,000 randomly selected…

  6. Americans' health insurance coverage, 1980-91

    PubMed Central

    Levit, Katharine R.; Olin, Gary L.; Letsch, Suzanne W.

    1992-01-01

    The authors of this article have used Current Population Surveys to summarize public and private health insurance trends in the United States over the last 12 years. Key findings include the declining percentage of the non-elderly population with employer-sponsored coverage and increasing numbers of low- and middle-income uninsured. That is, in a period of fast-rising health care costs, the poor and the near-poor in working families have been losing coverage for health care and facing increasing risks of inadequate care and financial loss. These data highlight health care access and financing problems now facing the Nation. PMID:10124438

  7. [French national health insurance. The current situation].

    PubMed

    Huguier, Michel; Lagrave, Michel; Marcelli, Aline; Rossignol, Claude; Tillement, Jean-Paul

    2010-06-01

    An audit of the French national health insurance system would be justified by economic considerations alone, but this would risk overlooking the notions of solidarity and freedom to which the French are rightly attached. European comparisons suggest, however, that our system could be made more efficient without undermining public health. The national health insurance system allows each member of the population to receive high-quality medical care. Practitioners have near-total freedom of prescription and practice. Medical care contributes to the ongoing increase in life expectancy, which is currently 73 years and second only to Japan. Healthcare is also a source of a million jobs. Macro-economic spending controls have failed, owing to medical progress and population aging, and also to medical consumerism favored by an unprecedented range of examinations and treatments, the increasing reimbursement of medical care, and the extension of direct payment by the insurer. Many ineffective measures have been implemented, such as tarification according to activity, and hospital certification. Health spending is also increased unnecessarily by bureaucratisation of healthcare spending and the transfer of professionals to posts for which they are not qualified. Some controversial medical prescriptions are not adequately controlled by the health service. Many reforms are based on over-optimistic economic predictions that fail to take related overheads into account. Lobbying by special interests groups undermines reform and the public interest. Too many independent administrative bodies have been created, and many are less efficient than the public structures they replaced. In sum, the French national health insurance system has become less and less efficient over the years. PMID:21513139

  8. The Disabled: Their Health Care and Health Insurance.

    ERIC Educational Resources Information Center

    Adler, Michele

    This paper examines issues concerning access to health care for persons with disabilities, specifically the health status of the disabled, utilization and cost of services, and a comparison of health insurance coverage of persons with and without disabilities. Three age groups (children, working-age adults, and the elderly) are considered. Data…

  9. 42 CFR 403.220 - Supplemental Health Insurance Panel.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... 42 Public Health 2 2012-10-01 2012-10-01 false Supplemental Health Insurance Panel. 403.220 Section 403.220 Public Health CENTERS FOR MEDICARE & MEDICAID SERVICES, DEPARTMENT OF HEALTH AND HUMAN... Programs § 403.220 Supplemental Health Insurance Panel. (a) Membership. The Supplemental Health...

  10. 42 CFR 403.220 - Supplemental Health Insurance Panel.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... 42 Public Health 2 2014-10-01 2014-10-01 false Supplemental Health Insurance Panel. 403.220 Section 403.220 Public Health CENTERS FOR MEDICARE & MEDICAID SERVICES, DEPARTMENT OF HEALTH AND HUMAN... Programs § 403.220 Supplemental Health Insurance Panel. (a) Membership. The Supplemental Health...

  11. 42 CFR 403.220 - Supplemental Health Insurance Panel.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 42 Public Health 2 2010-10-01 2010-10-01 false Supplemental Health Insurance Panel. 403.220 Section 403.220 Public Health CENTERS FOR MEDICARE & MEDICAID SERVICES, DEPARTMENT OF HEALTH AND HUMAN... Programs § 403.220 Supplemental Health Insurance Panel. (a) Membership. The Supplemental Health...

  12. 42 CFR 403.220 - Supplemental Health Insurance Panel.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... 42 Public Health 2 2011-10-01 2011-10-01 false Supplemental Health Insurance Panel. 403.220 Section 403.220 Public Health CENTERS FOR MEDICARE & MEDICAID SERVICES, DEPARTMENT OF HEALTH AND HUMAN... Programs § 403.220 Supplemental Health Insurance Panel. (a) Membership. The Supplemental Health...

  13. 42 CFR 403.220 - Supplemental Health Insurance Panel.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... 42 Public Health 2 2013-10-01 2013-10-01 false Supplemental Health Insurance Panel. 403.220 Section 403.220 Public Health CENTERS FOR MEDICARE & MEDICAID SERVICES, DEPARTMENT OF HEALTH AND HUMAN... Programs § 403.220 Supplemental Health Insurance Panel. (a) Membership. The Supplemental Health...

  14. Health Insurance Rate Review Act

    THOMAS, 112th Congress

    Sen. Feinstein, Dianne [D-CA

    2011-01-25

    01/25/2011 Read twice and referred to the Committee on Health, Education, Labor, and Pensions. (text of measure as introduced: CR S206) (All Actions) Tracker: This bill has the status IntroducedHere are the steps for Status of Legislation:

  15. Health risk and access to employer-provided health insurance.

    PubMed

    Buchmueller, T C

    1995-01-01

    The attractiveness of a job offering health benefits increases with a worker's expected medical expenditures. At the same time, employers have an incentive to screen out high-risk workers. Evidence from the 1984 Survey of Income and Program Participation indicates that employer screening dominates high-risk workers' desire to select jobs that offer insurance. Workers who describe their health as fair or poor, report difficulty with physical tasks, or have a work-related disability are less likely to receive employer-provided health insurance than healthy workers. Part of this effect is explained by the negative impact of poor health on earnings and labor supply. PMID:7713620

  16. Health promotion financing with Mongolia's social health insurance.

    PubMed

    Bayarsaikhan, Dorjsuren; Nakamura, Keiko

    2015-03-01

    Health promotion is receiving more attention in Mongolia. A survey is undertaken to examine health promotion in terms of health-related information, education, counseling, screening, preventive and medical checkups. Almost all (97.5%) of the subjects feel that access to reliable and systematically organized health-related information is important. About 60% of the subjects expressed that the amount of currently available information is inadequate. There are several factors that limit the implementation of public health programs. These include inadequate focus on promoting health at individual level, lack of funds, and limited incentives to promote health. This article examined social health insurance as an option to address these issues. Three hypothetical benefits package options expanded to health promotion were developed and simulated by a computerized tool. The simulations show that all 3 options are financially sustainable at the existing level of contribution if Mongolia will gain near universal health insurance coverage and improve revenue collection practices. PMID:25834269

  17. 1987 Social Report of the Life and Health Insurance Business.

    ERIC Educational Resources Information Center

    American Council of Life Insurance, Washington, DC.

    This report provides data and related information on the extent of the commitment of insurance companies to a wide variety of corporate public involvement activities. The results of a survey of 424 insurance companies are presented in both tabular and narrative format and cover the companies' activities in the areas of projects for the community,…

  18. Health financing and insurance reform in Morocco.

    PubMed

    Ruger, Jennifer Prah; Kress, Daniel

    2007-01-01

    The government of Morocco approved two reforms in 2005 to expand health insurance coverage. The first is a payroll-based mandatory health insurance plan for public- and formal private-sector employees to extend coverage from the current 16 percent of the population to 30 percent. The second creates a publicly financed fund to cover services for the poor. Both reforms aim to improve access to high-quality care and reduce disparities in access and financing between income groups and between rural and urban dwellers. In this paper we analyze these reforms: the pre-reform debate, benefits covered, financing, administration, and oversight. We also examine prospects and future challenges for implementing the reforms. PMID:17630444

  19. Health Insurance Claim Review Using Information Technologies

    PubMed Central

    Yoon, Jeong-Sik; Speedie, Stuart M.; Yoon, Hojung; Lee, Jiseon

    2012-01-01

    Objectives The objective of this paper is to describe the Health Insurance Review and Assessment Service (HIRA)'s payment request (PARE) system that plays the role of the gateway for all health insurance claims submitted to HIRA, and the claim review support (CRS) system that supports the work of claim review experts in South Korea. Methods This study describes the two systems' information technology (IT) infrastructures, their roles, and quantitative analysis of their work performance. It also reports the impact of these systems on claims processing by analyzing the health insurance claim data submitted to HIRA from April 1 to June 30, 2011. Results The PARE system returned to healthcare providers 2.7% of all inpatient claims (97,930) and 0.1% of all outpatient claims (317,007) as un-reviewable claims. The return rate was the highest for the hospital group as 0.49% and the lowest rate was found in clinic group. The CRS system's detection rate of the claims with multiple errors in inpatient and outpatient areas was 23.1% and 2.9%, respectively. The highest rate of error detection occurred at guideline check-up stages in both inpatient and outpatient groups. Conclusions The study found that HIRA's two IT systems had a critical role in reducing heavy administrative workloads through automatic data processing. Although the return rate of the problematic claims to providers and the error detection rate by two systems was low, the actual count of the returned claims was large. The role of IT will become increasingly important in reducing the workload of health insurance claims review. PMID:23115745

  20. Health insurance exchanges bring potential opportunities.

    PubMed

    Jacobs, M Orry; Eggbeer, Bill

    2012-11-01

    The introduction of the state health insurance exchanges, as provided for in the Affordable Care Act, has many strategic implications for healthcare providers: Unprecedented transparency; The "Walmart Effect", with patients playing a greater role as healthcare consumers; A rise in narrow networks spurred by low prices and narrow geographies; The potential end of the cross subsidy of Medicare and Medicaid by commercial plans; The possible end of not-for-profit status for hospitals PMID:23173361

  1. Health insurance: an eye on American welfare.

    PubMed

    Draper, J

    1980-02-15

    One of the great myths about the United States is that it does not have a welfare state. The myth is largely founded on the fact that America is one of the few remaining western nations with no national health insurance scheme to protect its citizens against the crippling costs of medical and hospital care. However, that does not mean that the United States does not have an extensive welfare system, writes John Draper. PMID:10245813

  2. Is It Really Worse to Have Public Health Insurance than to Have No Insurance at All? Health Insurance and Adult Health in the United States

    ERIC Educational Resources Information Center

    Quesnel-Vallee, Amelie

    2004-01-01

    Using prospective cohort data from the 1979 National Longitudinal Survey of Youth, this study examines the extent to which health insurance coverage and the source of that coverage affect adult health. While previous research has shown that privately insured nonelderly individuals enjoy better health outcomes than their uninsured counterparts, the…

  3. 26 CFR 1.957-2 - Controlled foreign corporation deriving income from insurance of United States risks.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... defined. For a foreign corporation which is engaged in the business of reinsuring or issuing insurance or annuity contracts and which, if it were a domestic corporation engaged only in such business, would...

  4. Health Insurance as a Two-Part Pricing Contract *

    PubMed Central

    Lakdawalla, Darius; Sood, Neeraj

    2013-01-01

    Monopolies appear throughout health care. We show that health insurance operates like a conventional two-part pricing contract that allows monopolists to extract profits without inefficiently constraining quantity. When insurers are free to offer a range of insurance contracts to different consumer types, health insurance markets perfectly eliminate deadweight losses from upstream health care monopolies. Frictions limiting the sorting of different consumer types into different insurance contracts restore some of these upstream monopoly losses, which manifest as higher rates of uninsurance, rather than as restrictions in quantity utilized by insured consumers. Empirical analysis of pharmaceutical patent expiration supports the prediction that heavily insured markets experience little or no efficiency loss under monopoly, while less insured markets exhibit behavior more consistent with the standard theory of monopoly. PMID:23997354

  5. 77 FR 72721 - Fees on Health Insurance Policies and Self-Insured Plans for the Patient-Centered Outcomes...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-12-06

    ... Internal Revenue Service 26 CFR Parts 40, 46, and 602 RIN 1545-BK59 Fees on Health Insurance Policies and... issuers of certain health insurance policies and plan sponsors of certain self-insured health plans to...-3970 (regarding health insurance policies). SUPPLEMENTARY INFORMATION: Paperwork Reduction Act...

  6. Worker decisions to purchase health insurance.

    PubMed

    Blumberg, L J; Nichols, L M; Banthin, J S

    2001-01-01

    Studying worker health insurance choices is usually limited by the absence of price data for workers who decline their employer's offer. This paper uses a new Medical Expenditure Panel Survey file which links household and employer survey respondents, supplying data for both employer insurance takers and declines. We test for whether out-of-pocket or total premium better explains worker behavior, estimate price elasticities with observed prices and with imputed prices, and test for worker sorting among jobs with and without health insurance. We find that out-of-pocket price dominates, that there is some upward bias from estimating elasticities with imputed premiums rather than observed premiums, and that workers do sort among jobs but this does not affect elasticity estimates appreciably. Like earlier studies with less representative worker samples, we find worker price elasticity of demand to be quite low. This suggests that any premium subsidies must be large to elicit much change in worker take-up behavior. PMID:14625931

  7. Health insurance and outcomes: comprehensive assessment of health system outputs.

    PubMed

    Perkins, N A

    1991-01-01

    Outcomes analysis in health care has historically meant the examination of clinical results of inpatient hospitalization. In response to climbing health care and health insurance costs, the organization of health care providers, the location of service delivery and reimbursement mechanisms have changed. As the health care industry changes, so too must the definition of outcomes. This article presents a conceptual framework for the analysis of health outcomes as health industry outputs, with an emphasis on the ways in which such outputs are being assessed and improved. PMID:10116955

  8. [Competition among health insurance funds: the position of the PKV].

    PubMed

    Leienbach, Volker

    2009-01-01

    Competition between private health insurers (PKV) and statutory health insurance funds (GKV) in Germany is far from being perfect, but the advantages resulting from the duality between PKV and GKV for the insured outweigh its disadvantages. Germany is the only country in the world where two systems compete for the best health insurance services and offer actual alternatives. They represent two different ways of funding leading into one common healthcare system. The dual structure stabilizes and enhances the medical infrastructure for all insured individuals alike. The rules of competition however can only take effect if the particularities of the two system are maintained and not mixed up. PMID:20120193

  9. Immigrants’ Access to Health Insurance: No Equality without Awareness

    PubMed Central

    Dzúrová, Dagmar; Winkler, Petr; Drbohlav, Dušan

    2014-01-01

    The Czech government has identified commercial health insurance as one of the major problems for migrants’ access to health care. Non-EU immigrants are eligible for public health insurance only if they have employee status or permanent residency. The present study examined migrants’ access to the public health insurance system in Czechia. A cross-sectional survey of 909 immigrants from Ukraine and Vietnam was conducted in March and May 2013, and binary logistic regression was applied in data analysis. Among immigrants entitled to Czech public health insurance due to permanent residency/asylum, 30% were out of the public health insurance system, and of those entitled by their employment status, 50% were out of the system. Migrants with a poor knowledge of the Czech language are more likely to remain excluded from the system of public health insurance. Instead, they either remain in the commercial health insurance system or they simultaneously pay for both commercial and public health insurance, which is highly disadvantageous. Since there are no reasonable grounds to stay outside the public health insurance, it is concluded that it is lack of awareness that keeps eligible immigrants from entering the system. It is suggested that no equal access to health care exists without sufficient awareness about health care system. PMID:25026082

  10. 12 CFR 360.6 - Treatment by the Federal Deposit Insurance Corporation as conservator or receiver of financial...

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 4 2010-01-01 2010-01-01 false Treatment by the Federal Deposit Insurance Corporation as conservator or receiver of financial assets transferred in connection with a securitization or participation. 360.6 Section 360.6 Banks and Banking FEDERAL DEPOSIT INSURANCE CORPORATION REGULATIONS AND STATEMENTS OF GENERAL...

  11. Evidence of Adverse Selection in Iranian Supplementary Health Insurance Market

    PubMed Central

    Mahdavi, Gh; Izadi, Z

    2012-01-01

    Background: Existence or non-existence of adverse selection in insurance market is one of the important cases that have always been considered by insurers. Adverse selection is one of the consequences of asymmetric information. Theory of adverse selection states that high-risk individuals demand the insurance service more than low risk individuals do. Methods: The presence of adverse selection in Iran’s supplementary health insurance market is tested in this paper. The study group consists of 420 practitioner individuals aged 20 to 59. We estimate two logistic regression models in order to determine the effect of individual’s characteristics on decision to purchase health insurance coverage and loss occurrence. Using the correlation between claim occurrence and decision to purchase health insurance, the adverse selection problem in Iranian supplementary health insurance market is examined. Results: Individuals with higher level of education and income level purchase less supplementary health insurance and make fewer claims than others make and there is positive correlation between claim occurrence and decision to purchase supplementary health insurance. Conclusion: Our findings prove the evidence of the presence of adverse selection in Iranian supplementary health insurance market. PMID:23113209

  12. Health insurance tax credits, the earned income tax credit, and health insurance coverage of single mothers.

    PubMed

    Cebi, Merve; Woodbury, Stephen A

    2014-05-01

    The Omnibus Budget Reconciliation Act of 1990 enacted a refundable tax credit for low-income working families who purchased health insurance coverage for their children. This health insurance tax credit (HITC) existed during tax years 1991, 1992, and 1993, and was then rescinded. A difference-in-differences estimator applied to Current Population Survey data suggests that adoption of the HITC, along with accompanying increases in the Earned Income Tax Credit (EITC), was associated with a relative increase of about 4.7 percentage points in the private health insurance coverage of working single mothers with high school or less education. Also, a difference-in-difference-in-differences estimator, which attempts to net out the possible influence of the EITC increases but which requires strong assumptions, suggests that the HITC was responsible for about three-quarters (3.6 percentage points) of the total increase. The latter estimate implies a price elasticity of health insurance take-up of -0.42. PMID:23813687

  13. 77 FR 41048 - Health Insurance Premium Tax Credit; Correction

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-07-12

    ..., 2012 (77 FR 30377). The final regulations relate to the health insurance premium tax credit enacted by the Patient Protection and Affordable Care Act and the Health Care and Education Reconciliation Act of... Internal Revenue Service 26 CFR Part 1 RIN 1545-BJ82 Health Insurance Premium Tax Credit; Correction...

  14. Divorce and Women's Risk of Health Insurance Loss

    ERIC Educational Resources Information Center

    Lavelle, Bridget; Smock, Pamela J.

    2012-01-01

    This article bridges the literatures on the economic consequences of divorce for women with that on marital transitions and health by focusing on women's health insurance. Using a monthly calendar of marital status and health insurance coverage from 1,442 women in the Survey of Income and Program Participation, we examine how women's health…

  15. Health insurance and the demand for medical care: Instrumental variable estimates using health insurer claims data.

    PubMed

    Dunn, Abe

    2016-07-01

    This paper takes a different approach to estimating demand for medical care that uses the negotiated prices between insurers and providers as an instrument. The instrument is viewed as a textbook "cost shifting" instrument that impacts plan offerings, but is unobserved by consumers. The paper finds a price elasticity of demand of around -0.20, matching the elasticity found in the RAND Health Insurance Experiment. The paper also studies within-market variation in demand for prescription drugs and other medical care services and obtains comparable price elasticity estimates. PMID:27107371

  16. Insurer Market Structure and Variation in Commercial Health Care Spending

    PubMed Central

    McKellar, Michael R; Naimer, Sivia; Landrum, Mary B; Gibson, Teresa B; Chandra, Amitabh; Chernew, Michael

    2014-01-01

    Objective To examine the relationship between insurance market structure and health care prices, utilization, and spending. Data Sources Claims for 37.6 million privately insured employees and their dependents from the Truven Health Market Scan Database in 2009. Measures of insurer market structure derived from Health Leaders Inter study data. Methods Regression models are used to estimate the association between insurance market concentration and health care spending, utilization, and price, adjusting for differences in patient characteristics and other market-level traits. Results Insurance market concentration is inversely related to prices and spending, but positively related to utilization. Our results imply that, after adjusting for input price differences, a market with two equal size insurers is associated with 3.9 percent lower medical care spending per capita (p = .002) and 5.0 percent lower prices for health care services relative to one with three equal size insurers (p < .001). Conclusion Greater fragmentation in the insurance market might lead to higher prices and higher spending for care, suggesting some of the gains from insurer competition may be absorbed by higher prices for health care. Greater attention to prices and utilization in the provider market may need to accompany procompetitive insurance market strategies. PMID:24303879

  17. Development of the Health Insurance Literacy Measure (HILM): conceptualizing and measuring consumer ability to choose and use private health insurance.

    PubMed

    Paez, Kathryn A; Mallery, Coretta J; Noel, HarmoniJoie; Pugliese, Christopher; McSorley, Veronica E; Lucado, Jennifer L; Ganachari, Deepa

    2014-01-01

    Understanding health insurance is central to affording and accessing health care in the United States. Efforts to support consumers in making wise purchasing decisions and using health insurance to their advantage would benefit from the development of a valid and reliable measure to assess health insurance literacy. This article reports on the development of the Health Insurance Literacy Measure (HILM), a self-assessment measure of consumers' ability to select and use private health insurance. The authors developed a conceptual model of health insurance literacy based on formative research and stakeholder guidance. Survey items were drafted using the conceptual model as a guide then tested in two rounds of cognitive interviews. After a field test with 828 respondents, exploratory factor analysis revealed two HILM scales, choosing health insurance and using health insurance, each of which is divided into a confidence subscale and likelihood of behavior subscale. Correlations between the HILM scales and an objective measure of health insurance knowledge and skills were positive and statistically significant which supports the validity of the measure. PMID:25315595

  18. Development of the Health Insurance Literacy Measure (HILM): Conceptualizing and Measuring Consumer Ability to Choose and Use Private Health Insurance

    PubMed Central

    Paez, Kathryn A.; Mallery, Coretta J.; Noel, HarmoniJoie; Pugliese, Christopher; McSorley, Veronica E.; Lucado, Jennifer L.; Ganachari, Deepa

    2014-01-01

    Understanding health insurance is central to affording and accessing health care in the United States. Efforts to support consumers in making wise purchasing decisions and using health insurance to their advantage would benefit from the development of a valid and reliable measure to assess health insurance literacy. This article reports on the development of the Health Insurance Literacy Measure (HILM), a self-assessment measure of consumers' ability to select and use private health insurance. The authors developed a conceptual model of health insurance literacy based on formative research and stakeholder guidance. Survey items were drafted using the conceptual model as a guide then tested in two rounds of cognitive interviews. After a field test with 828 respondents, exploratory factor analysis revealed two HILM scales, choosing health insurance and using health insurance, each of which is divided into a confidence subscale and likelihood of behavior subscale. Correlations between the HILM scales and an objective measure of health insurance knowledge and skills were positive and statistically significant which supports the validity of the measure. PMID:25315595

  19. 7 CFR 2.44 - Administrator, Risk Management Agency and Manager, Federal Crop Insurance Corporation.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 7 Agriculture 1 2012-01-01 2012-01-01 false Administrator, Risk Management Agency and Manager... Management Agency and Manager, Federal Crop Insurance Corporation. (a) Delegations. Pursuant to § 2.16(a)(4... Secretary for Farm and Foreign Agricultural Services to the Administrator, Risk Management Agency,...

  20. 7 CFR 2.44 - Administrator, Risk Management Agency and Manager, Federal Crop Insurance Corporation.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 7 Agriculture 1 2010-01-01 2010-01-01 false Administrator, Risk Management Agency and Manager... Management Agency and Manager, Federal Crop Insurance Corporation. (a) Delegations. Pursuant to § 2.16(a)(4... Secretary for Farm and Foreign Agricultural Services to the Administrator, Risk Management Agency,...

  1. 7 CFR 2.44 - Administrator, Risk Management Agency and Manager, Federal Crop Insurance Corporation.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 7 Agriculture 1 2011-01-01 2011-01-01 false Administrator, Risk Management Agency and Manager... Management Agency and Manager, Federal Crop Insurance Corporation. (a) Delegations. Pursuant to § 2.16(a)(4... Secretary for Farm and Foreign Agricultural Services to the Administrator, Risk Management Agency,...

  2. 7 CFR 2.44 - Administrator, Risk Management Agency and Manager, Federal Crop Insurance Corporation.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 7 Agriculture 1 2013-01-01 2013-01-01 false Administrator, Risk Management Agency and Manager... Management Agency and Manager, Federal Crop Insurance Corporation. (a) Delegations. Pursuant to § 2.16(a)(4... Secretary for Farm and Foreign Agricultural Services to the Administrator, Risk Management Agency,...

  3. 7 CFR 2.44 - Administrator, Risk Management Agency and Manager, Federal Crop Insurance Corporation.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 7 Agriculture 1 2014-01-01 2014-01-01 false Administrator, Risk Management Agency and Manager... Management Agency and Manager, Federal Crop Insurance Corporation. (a) Delegations. Pursuant to § 2.16(a)(4... Secretary for Farm and Foreign Agricultural Services to the Administrator, Risk Management Agency,...

  4. 76 FR 7848 - Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-02-11

    ... issue of the Federal Register (57 FR 29491). For further information concerning the identification of... Been Appointed Either Receiver, Liquidator, or Manager AGENCY: Federal Deposit Insurance Corporation...://www.fdic.gov/bank/individual/failed/banklist.html or contact the Manager of Receivership Oversight...

  5. 76 FR 7208 - Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-02-09

    ... issue of the Federal Register (57 FR 29491). For further information concerning the identification of... Been Appointed Either Receiver, Liquidator, or Manager AGENCY: Federal Deposit Insurance Corporation...://www.fdic.gov/bank/individual/failed/banklist.html or contact the Manager of Receivership Oversight...

  6. 76 FR 80945 - Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-12-27

    ... issue of the Federal Register (57 FR 29491). For further information concerning the identification of... Been Appointed Either Receiver, Liquidator, or Manager AGENCY: Federal Deposit Insurance Corporation....fdic.gov/bank/individual/failed/banklist.html or contact the Manager of Receivership Oversight in...

  7. 75 FR 53694 - Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-09-01

    ... issue of the Federal Register (57 FR 29491). For further information concerning the identification of... Been Appointed Either Receiver, Liquidator, or Manager AGENCY: Federal Deposit Insurance Corporation...://www.fdic.gov/bank/individual/failed/banklist.html or contact the Manager of Receivership Oversight...

  8. 78 FR 58304 - Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-09-23

    ... issue of the Federal Register (57 FR 29491). For further information concerning the identification of... Been Appointed Either Receiver, Liquidator, or Manager AGENCY: Federal Deposit Insurance Corporation....fdic.gov/ bank/ ] individual/failed/banklist.html or contact the Manager of Receivership Oversight...

  9. 76 FR 45572 - Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-07-29

    ... issue of the Federal Register (57 FR 29491). For further information concerning the identification of... Been Appointed Either Receiver, Liquidator, or Manager AGENCY: Federal Deposit Insurance Corporation...://www.fdic.gov/bank/individual/failed/banklist.html or contact the Manager of Receivership Oversight...

  10. 78 FR 29134 - Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-05-17

    ... issue of the Federal Register (57 FR 29491). For further information concerning the identification of... Been Appointed Either Receiver, Liquidator, or Manager AGENCY: Federal Deposit Insurance Corporation....fdic.gov/bank/individual/failed/banklist.html or contact the Manager of Receivership Oversight in...

  11. 77 FR 76037 - Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-12-26

    ... issue of the Federal Register (57 FR 29491). For further information concerning the identification of... Been Appointed Either Receiver, Liquidator, or Manager AGENCY: Federal Deposit Insurance Corporation....fdic.gov/bank/individual/failed/banklist.html or contact the Manager of Receivership Oversight in...

  12. 75 FR 21293 - Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-04-23

    ... issue of the Federal Register (57 FR 29491). For further information concerning the identification of... Been Appointed Either Receiver, Liquidator, or Manager AGENCY: Federal Deposit Insurance Corporation...://www.fdic.gov/bank/individual/failed/banklist.html or contact the Manager of Receivership Oversight...

  13. 75 FR 20996 - Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-04-22

    ... issue of the Federal Register (57 FR 29491). For further information concerning the identification of... Been Appointed Either Receiver, Liquidator, or Manager AGENCY: Federal Deposit Insurance Corporation...://www.fdic.gov/bank/individual/failed/banklist.html or contact the Manager of Receivership Oversight...

  14. 76 FR 13187 - Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-03-10

    ... issue of the Federal Register (57 FR 29491). For further information concerning the identification of... Been Appointed Either Receiver, Liquidator, or Manager AGENCY: Federal Deposit Insurance Corporation...://www.fdic.gov/bank/individual/failed/banklist.html or contact the Manager of Receivership Oversight...

  15. 76 FR 10362 - Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-02-24

    ... issue of the Federal Register (57 FR 29491). For further information concerning the ] identification of... Been Appointed Either Receiver, Liquidator, or Manager AGENCY: Federal Deposit Insurance Corporation...://www.fdic.gov/bank/individual/failed/banklist.html or contact the Manager of Receivership Oversight...

  16. 75 FR 11179 - Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-03-10

    ... issue of the Federal Register (57 FR 29491). For further information concerning the identification of... Been Appointed Either Receiver, Liquidator, or Manager AGENCY: Federal Deposit Insurance Corporation...://www.fdic.gov/bank/individual/failed/banklist.html or contact the Manager of Receivership Oversight...

  17. 75 FR 80813 - Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-12-23

    ... issue of the Federal Register (57 FR 29491). For further information concerning the identification of... Been Appointed Either Receiver, Liquidator, or Manager AGENCY: Federal Deposit Insurance Corporation...://www.fdic.gov/bank/individual/failed/banklist.html or contact the Manager of Receivership Oversight...

  18. 76 FR 65726 - Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-10-24

    ... issue of the Federal Register (57 FR 29491). For further information concerning the identification of... been Appointed Either Receiver, Liquidator, or Manager AGENCY: Federal Deposit Insurance Corporation....fdic.gov/bank/individual/failed/banklist.html or contact the Manager of Receivership Oversight in...

  19. 75 FR 28807 - Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-05-24

    ... issue of the Federal Register (57 FR 29491). For further information concerning the identification of... Been Appointed Either Receiver, Liquidator, or Manager AGENCY: Federal Deposit Insurance Corporation....fdic.gov/bank/individual/failed/banklist.html or contact the Manager of Receivership Oversight in...

  20. 76 FR 26295 - Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-05-06

    ... issue of the Federal Register (57 FR 29491). For further information concerning the identification of... Been Appointed Either Receiver, Liquidator, or Manager AGENCY: Federal Deposit Insurance Corporation...://www.fdic.gov/bank/individual/failed/banklist.html or contact the Manager of Receivership Oversight...

  1. 75 FR 10483 - Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-03-08

    ... issue of the Federal Register (57 FR 29491). For further information concerning the identification of... Been Appointed Either Receiver, Liquidator, or Manager AGENCY: Federal Deposit Insurance Corporation...://www.fdic.gov/bank/individual/failed/banklist.html or contact the Manager of Receivership Oversight...

  2. 75 FR 21292 - Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-04-23

    ... issue of the Federal Register (57 FR 29491). For further information concerning the identification of... Been Appointed Either Receiver, Liquidator, or Manager AGENCY: Federal Deposit Insurance Corporation...://www.fdic.gov/bank/individual/failed/banklist.html or contact the Manager of Receivership Oversight...

  3. 75 FR 66293 - Adoption of Federal Deposit Insurance Corporation Restoration Plan

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-10-27

    ... reserve ratio to 1.15 percent by the end of 2016.\\4\\ \\1\\ 73 FR 61598 (Oct. 16, 2008). \\2\\ 74 FR 9564 (Mar... of 2009, Public Law 111-22, Sec. 204(b), 123 Stat. 1632, 1649. \\4\\ 74 FR 51062 (Oct. 2, 2009). The... Adoption of Federal Deposit Insurance Corporation Restoration Plan AGENCY: Federal Deposit...

  4. 75 FR 38812 - Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-07-06

    ... issue of the Federal Register (57 FR 29491). For further information concerning the identification of... Been Appointed Either Receiver, Liquidator, or Manager AGENCY: Federal Deposit Insurance Corporation....fdic.gov/bank/individual/failed/banklist.html or contact the Manager of Receivership Oversight in...

  5. 77 FR 37673 - Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-06-22

    ... issue of the Federal Register (57 FR 29491). For further information concerning the identification of... Been Appointed Either Receiver, Liquidator, or Manager AGENCY: Federal Deposit Insurance Corporation....fdic.gov/bank/individual/failed/banklist.html or contact the Manager of Receivership Oversight in...

  6. 75 FR 38812 - Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-07-06

    ... issue of the Federal Register (57 FR 29491). For further information concerning the identification of... Been Appointed Either Receiver, Liquidator, or Manager AGENCY: Federal Deposit Insurance Corporation...://www.fdic.gov/bank/individual/failed/banklist.html or contact the Manager of Receivership Oversight...

  7. 75 FR 71129 - Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-11-22

    ... issue of the Federal Register (57 FR 29491). For further information concerning the identification of... Been Appointed Either Receiver, Liquidator, or Manager AGENCY: Federal Deposit Insurance Corporation...://www.fdic.gov/bank/individual/failed/banklist.html or contact the Manager of Receivership Oversight...

  8. 76 FR 34073 - Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-06-10

    ... issue of the Federal Register (57 FR 29491). For further information concerning the identification of... Been Appointed Either Receiver, Liquidator, or Manager AGENCY: Federal Deposit Insurance Corporation...://www.fdic.gov/bank/individual/failed/banklist.html or contact the Manager of Receivership Oversight...

  9. 78 FR 12754 - Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-02-25

    ... issue of the Federal Register (57 FR 29491). For further information concerning the identification of... Been Appointed Either Receiver, Liquidator, or Manager AGENCY: Federal Deposit Insurance Corporation....fdic.gov/bank/individual/failed/banklist.html or contact the Manager of Receivership Oversight in...

  10. 75 FR 69664 - Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-11-15

    ... issue of the Federal Register (57 FR 29491). For further information concerning the identification of... Been Appointed Either Receiver, Liquidator, or Manager AGENCY: Federal Deposit Insurance Corporation...://www.fdic.gov/bank/individual/failed/banklist.html or contact the Manager of Receivership Oversight...

  11. 75 FR 51814 - Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-08-23

    ... issue of the Federal Register (57 FR 29491). For further information concerning the identification of... Been Appointed Either Receiver, Liquidator, or Manager AGENCY: Federal Deposit Insurance Corporation...://www.fdic.gov/bank/individual/failed/banklist.html or contact the Manager of Receivership Oversight...

  12. 77 FR 9924 - Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation...

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    2012-02-21

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    2011-06-06

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  14. 76 FR 38651 - Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation...

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    2011-07-01

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  15. 78 FR 34383 - Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation...

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    2013-06-07

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    2012-01-27

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    2010-04-30

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    2010-07-06

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  1. [Right to health. Perspective of the statutory health insurance].

    PubMed

    Müller, R D

    2007-09-01

    This essay is concerned with the topic 'right to health' from the perspective of a health insurance company. Following an outline of the legal foundation, aspects regarding benefit restrictions within the context of the contemporary political health discourse are discussed. The AOK's viewpoints and demands regarding patient sovereignty are represented under the rubrics of: information and transparency, consumer protection and self-help groups, quality of health care, treatment error management, doctor contract codification, error reduction management and expanding avenues for participation. The section "Health insurance companies fortify patient rights" exemplifies the efforts and activities of the AOK Berlin. These include the Disease Management Program Breast Cancer, a patient survey regarding home nursing care, and AOK Berlin's contributions to "A Healthy City" - a project based on the initiative of the WHO's Ottawa Charta. Furthermore, "prevention" and "setting" proposals, treatment error management, and complaint management are presented. In conclusion, the goals of deploying patient sovereignty, taking into consideration essential limitations of health insurance benefits, are redeveloped and linked with the demands for further development of patient rights. PMID:17828473

  2. Does Health Insurance Continuity Among Low-income Adults Impact Their Children’s Insurance Coverage?

    PubMed Central

    Yamauchi, Melissa; Carlson, Matthew J.; Wright, Bill J.; DeVoe, Jennifer E.

    2016-01-01

    Parent’s insurance coverage is associated with children’s insurance status, but little is known about whether a parent’s coverage continuity affects a child’s coverage. This study assesses the association between an adult’s insurance continuity and the coverage status of their children. We used data from a subgroup of participants in the Oregon Health Care Survey, a three-wave, 30-month prospective cohort study (n = 559). We examined the relationship between the length of time an adult had health insurance coverage and whether or not all children in the same household were insured at the end of the study. We used a series of univariate and multivariate logistic regression models to identify significant associations and the rho correlation coefficient to assess collinearity. A dose response relationship was observed between continuity of adult coverage and the odds that all children in the household were insured. Among adults with continuous coverage, 91.4% reported that all children were insured at the end of the study period, compared to 83.7% of adults insured for 19–27 months, 74.3% of adults insured for 10–18 months, and 70.8% of adults insured for fewer than 9 months. This stepwise pattern persisted in logistic regression models: adults with the fewest months of coverage, as compared to those continuously insured, reported the highest odds of having uninsured children (adjusted odds ratio 7.26, 95% confidence interval 2.75, 19.17). Parental health insurance continuity is integral to maintaining children’s insurance coverage. Policies to promote continuous coverage for adults will indirectly benefit children. PMID:22359243

  3. Putting Health Back Into Health Insurance Choice.

    PubMed

    Atanasov, Pavel; Baker, Tom

    2014-08-01

    What are the barriers to voluntary take-up of high-deductible plans? We address this question using a large-scale employer survey conducted after an open-enrollment period in which a new high-deductible plan was first introduced. Only 3% of the employees chose this plan, despite the respondents' recognition of its financial advantages. Employees who believed that the high-deductible plan provided access to top physicians in the area were three times more likely to choose it than employees who did not share this belief. A framed field experiment using a similar choice menu showed that displaying additional financial information did not increase high-deductible plan take-up. However, when plans were presented as identical except for the deductible, respondents were highly likely to choose the high-deductible plan, especially in a two-way choice. These results suggest that informing plan choosers about high-deductible plans' health access provisions may affect choice more strongly than focusing on their financial advantages. PMID:24811934

  4. The impact of health insurance on health services utilization and health outcomes in Vietnam.

    PubMed

    Guindon, G Emmanuel

    2014-10-01

    In recent years, a number of low- and middle-income country governments have introduced health insurance schemes. Yet not a great deal is known about the impact of such policy shifts. Vietnam's recent health insurance experience including a health insurance scheme for the poor in 2003 and a compulsory scheme that provides health insurance to all children under six years of age combined with Vietnam's commitment to universal coverage calls for research that examines the impact of health insurance. Taking advantage of Vietnam's unique policy environment, data from the 2002, 2004 and 2006 waves of the Vietnam Household Living Standard Survey and single-difference and difference-in-differences approaches are used to assess whether access to health insurance--for the poor, for children and for students--impacts on health services utilization and health outcomes in Vietnam. For the poor and for students, results suggest health insurance increased the use of inpatient services but not of outpatient services or health outcomes. For young children, results suggest health insurance increased the use of outpatient services (including the use of preventive health services such as vaccination and check-up) but not of inpatient services. PMID:24661805

  5. Private health insurance and regional Australia.

    PubMed

    Lokuge, Buddhima; Denniss, Richard; Faunce, Thomas A

    2005-03-21

    Since 1996, an increasing proportion of federal government expenditure has been directed into Australia's healthcare system via private health insurance (PHI) subsidies, in preference to Medicare and the direct funding of public health services. A central rationale for this policy shift is to increase the use of private hospital services and thereby reduce pressure on public inpatient facilities. However, the impact of this reform process on regional Australia has not been addressed. An analysis of previously unpublished Australian Bureau of Statistics data shows that regional Australians have substantially lower levels of private health fund membership. As a result, regional areas appear to be receiving substantially less federal government health funding, compared with cities, than if these funds were allocated on a per-capita basis. We postulate that the lower level of membership in regional areas is mainly due to the limited availability of private inpatient facilities, making PHI less attractive to rural Australians. We conclude that PHI as a vehicle for mainstream federal health financing has potential structural failures that disadvantage regional Australians. PMID:15777145

  6. Managed competition and consumer price sensitivity in social health insurance.

    PubMed

    Schut, Frederik T; Hassink, Wolter H J

    2002-11-01

    This paper examines whether the introduction of managed competition in Dutch social health insurance has resulted in effective price competition among insurance funds. We find evidence of limited price competition, which may be caused by low consumer price sensitivity. Using aggregate panel data from all insurance funds over the period 1996-1998, estimated premium elasticities of market share are -0.3 for compulsory coverage and -0.8 for supplementary coverage. These elasticities are much smaller than in managed competition settings in US group insurance. This may be explained by differences in switching experience and higher search costs associated with individual insurance. PMID:12475123

  7. Corporate information systems in health organisations.

    PubMed

    Smith, J

    1997-01-01

    This paper presents an overview of the nature of corporate information systems and their applications in health organisations. It emphasises the importance of financial and human resource information in the creation of a corporate data model. The paper summarises the main features of finance and human resource systems as they are used in health organisations. It looks at a series of case studies carried out in health organisations, which were selected on the basis of their representation of different aspects of service delivery. It also discusses the theoretical and practical perspectives of the systems themselves, their roles in information management, executive and decision support, and in planning and forecasting. PMID:10173702

  8. 77 FR 30377 - Health Insurance Premium Tax Credit

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-05-23

    ..., a notice of proposed rulemaking (REG-131491-10) was published in the Federal Register (76 FR 50931... Internal Revenue Service 26 CFR Parts 1 and 602 RIN 1545-BJ82 Health Insurance Premium Tax Credit AGENCY... regulations relating to the health insurance premium tax credit enacted by the Patient Protection...

  9. Health Insurance for Children. The Future for Children.

    ERIC Educational Resources Information Center

    Behrman, Richard E., Ed.

    2003-01-01

    This issue of "The Future of Children" focuses on efforts to provide publicly funded health insurance to low-income children in the United States through Medicaid and the State Children's Health Insurance Program (SCHIP). The articles summarize current knowledge and research about which children are uninsured and why, discuss ways to improve…

  10. 77 FR 41048 - Health Insurance Premium Tax Credit; Correction

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-07-12

    ... Register on Wednesday, May 23, 2012 (77 FR 30377). The final regulations relate to the health insurance... Internal Revenue Service 26 CFR Parts 1 and 602 RIN 1545-BJ82 Health Insurance Premium Tax Credit... FR Doc. 2012-12421, are corrected as follows: 1. On page 30377, column 2, in the preamble, under...

  11. [Health insurance in the Russian Federation].

    PubMed

    Starodubov, V I; Semenov, V Iu

    1997-01-01

    The need to reform health care in Russia became evident in the late 1980s when due to socioeconomic crisis, the government could not cover the expenses connected with this field and put the up-to-date expensive technologies into life. The introduction of the compulsory health insurance system (CHIS) is aimed at: 1) obtaining an additional financial source for health care by making the goal-oriented stable rates of deductions from the wage fund; 2) protecting the Russian Federation citizens' rights to have free medical aid of the guaranteed scope; 3) enhancing the quality of medial care delivered to the population by introducing a mechanism of movement of funds paid for a patient; 4) paying for medical care in relation to the volume and quality of the work done by simultaneously controlling the stipulated use of funds. Three-year experience of CHIS in Russia has indicated that there is a real mechanism of reformation and government regulation of health care under the conditions of transition to the market, with the interests of the general population and medical personnel in mind. Obvious legal, organizational, technological, and psychological problems and disadvantages have been found at all management levels, which are an obstacle in the way of the reforms and which whip up social tension and call for prompt decisions. PMID:9213488

  12. 42 CFR 457.348 - Determinations of Children's Health Insurance Program eligibility by other insurance...

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... CENTERS FOR MEDICARE & MEDICAID SERVICES, DEPARTMENT OF HEALTH AND HUMAN SERVICES (CONTINUED) STATE... insurance affordability program. (b) Provision of CHIP for individuals found eligible for CHIP by another insurance affordability program. If a State accepts final determinations of CHIP eligibility made by...

  13. 42 CFR 457.348 - Determinations of Children's Health Insurance Program eligibility by other insurance...

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... CENTERS FOR MEDICARE & MEDICAID SERVICES, DEPARTMENT OF HEALTH AND HUMAN SERVICES (CONTINUED) STATE... insurance affordability program. (b) Provision of CHIP for individuals found eligible for CHIP by another insurance affordability program. If a State accepts final determinations of CHIP eligibility made by...

  14. Health insurance trends are contributing to growing health care inequality.

    PubMed

    Book, Eric L

    2005-01-01

    A health plan chief medical officer comments on several trends underscoring the conclusion reached by Robert Hurley and colleagues that disparities in health care are widening. Growing use of new technology is driving up premiums, increasing the ranks of the uninsured and underinsured. Cost shifting by hospitals because of inadequate public program reimbursements drives premiums even higher. Although disparities in health care can never be eliminated, access to essential services can-and must-be made universal. That goal can be accomplished if insurance coverage is mandated and responsibility for its cost is spread broadly. PMID:16332912

  15. Preference diversity and the breadth of employee health insurance options.

    PubMed Central

    Moran, J R; Chernew, M E; Hirth, R A

    2001-01-01

    OBJECTIVE: To examine the effect of worker heterogeneity, firm size, and establishment size on the breadth of employer health insurance offerings. DATA SOURCES: The data were drawn from the 1993 Robert Wood Johnson Foundation Employer Health Insurance Survey of 22,000 business establishments selected randomly from ten states. STUDY DESIGN: The analysis was cross-sectional, using ordered probit models to relate the breadth of plan offerings to firm characteristics. PRINCIPAL FINDINGS: Firms with more diverse workforces offered a more diverse set of health insurance options. Firm and establishment size independently influenced the breadth of plan offerings. CONCLUSIONS: Employers are responsive to worker heterogeneity when determining the breadth of their health insurance offerings. However, diseconomies of scale in the purchase and administration of health insurance appear to limit the extent to which small employers can accommodate diverse worker preferences. PMID:11666110

  16. Health insurance in India: need for managed care expertise.

    PubMed

    Thomas, Thomas K

    2011-02-01

    Health insurers in India currently face many challenges, including poor consumer awareness, strict regulations, and inefficient business practices. They operate under a combination of stifling administrative costs and high medical expense ratios which have ensured that insurers operate under steep losses. External factors (eg, onerous regulations, lack of standards, high claims payouts) and internal factors (eg, high administrative costs, dependence on indemnity models that cover inpatient treatment costs only) have forced the health insurance industry into a regressive spiral. To overcome these challenges, health insurers need to innovate in their product offerings and tighten their existing processes and cost structures. But as a long-term strategy, it is imperative that health insurers deploy managed care concepts, which will go a long way toward addressing the systemic issues in the current operational models of health plans. PMID:21473657

  17. Health insurance and ex ante moral hazard: evidence from Medicare.

    PubMed

    Dave, Dhaval; Kaestner, Robert

    2009-12-01

    Basic economic theory suggests that health insurance coverage may cause a reduction in prevention activities, but empirical studies have yet to provide much evidence to support this prediction. However, in other insurance contexts that involve adverse health events, evidence of ex ante moral hazard is more consistent. In this paper, we extend the analysis of the effect of health insurance on health behaviors by allowing for the possibility that health insurance has a direct (ex ante moral hazard) and indirect effect on health behaviors. The indirect effect works through changes in health promotion information and the probability of illness that may be a byproduct of insurance-induced greater contact with medical professionals. We identify these two effects and in doing so identify the pure ex ante moral hazard effect. This study exploits the plausibly exogenous variation in health insurance as a result of obtaining Medicare coverage at age 65. We find evidence that obtaining health insurance reduces prevention and increases unhealthy behaviors among elderly men. We also find evidence that physician counseling is successful in changing health behaviors. PMID:19277859

  18. 76 FR 5861 - Medicare, Medicaid, and Children's Health Insurance Programs; Additional Screening Requirements...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-02-02

    ..., and Children's Health Insurance Programs; Additional Screening Requirements, Application Fees..., Medicaid, and Children's Health Insurance Programs; Additional Screening Requirements, Application Fees... Children's Health Insurance Program (CHIP); an application fee imposed on institutional providers...

  19. 75 FR 48815 - Medicaid Program and Children's Health Insurance Program (CHIP); Revisions to the Medicaid...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-08-11

    ... Medicaid Program and Children's Health Insurance Program (CHIP); Revisions to the Medicaid Eligibility... Program and Children's Health Insurance Program (CHIP); Revisions to the Medicaid Eligibility Quality... Children's Health Insurance Program (CHIP). DATES: Effective Date: These regulations are effective...

  20. 76 FR 78741 - Medicare, Medicaid, Children's Health Insurance Programs; Transparency Reports and Reporting of...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-12-19

    ... 42 CFR Parts 402 and 403 Medicare, Medicaid, Children's Health Insurance Programs; Transparency..., Children's Health Insurance Programs; Transparency Reports and Reporting of Physician Ownership or... medical supplies covered by Medicare, Medicaid or the Children's Health Insurance Program (CHIP) to...

  1. The Role of Public Health Insurance in Reducing Child Poverty.

    PubMed

    Wherry, Laura R; Kenney, Genevieve M; Sommers, Benjamin D

    2016-04-01

    Over the past 30 years, there have been major expansions in public health insurance for low-income children in the United States through Medicaid, the Children's Health Insurance Program (CHIP), and other state-based efforts. In addition, many low-income parents have gained Medicaid coverage since 2014 under the Affordable Care Act. Most of the research to date on health insurance coverage among low-income populations has focused on its effect on health care utilization and health outcomes, with much less attention to the financial protection it offers families. We review a growing body of evidence that public health insurance provides important financial benefits to low-income families. Expansions in public health insurance for low-income children and adults are associated with reduced out of pocket medical spending, increased financial stability, and improved material well-being for families. We also review the potential poverty-reducing effects of public health insurance coverage. When out of pocket medical expenses are taken into account in defining the poverty rate, Medicaid plays a significant role in decreasing poverty for many children and families. In addition, public health insurance programs connect families to other social supports such as food assistance programs that also help reduce poverty. We conclude by reviewing emerging evidence that access to public health insurance in childhood has long-term effects for health and economic outcomes in adulthood. Exposure to Medicaid and CHIP during childhood has been linked to decreased mortality and fewer chronic health conditions, better educational attainment, and less reliance on government support later in life. In sum, the nation's public health insurance programs have many important short- and long-term poverty-reducing benefits for low-income families with children. PMID:27044710

  2. Progressive segmented health insurance: Colombian health reform and access to health services.

    PubMed

    Ruiz, Fernando; Amaya, Liliana; Venegas, Stella

    2007-01-01

    Equal access for poor populations to health services is a comprehensive objective for any health reform. The Colombian health reform addressed this issue through a segmented progressive social health insurance approach. The strategy was to assure universal coverage expanding the population covered through payroll linked insurance, and implementing a subsidized insurance program for the poorest populations, those not affiliated through formal employment. A prospective study was performed to follow-up health service utilization and out-of-pocket expenses using a cohort design. It was representative of four Colombian cities (Cendex Health Services Use and Expenditure Study, 2001). A four part econometric model was applied. The model related medical service utilization and medication with different socioeconomic, geographic, and risk associated variables. Results showed that subsidized health insurance improves health service utilization and reduces the financial burden for the poorest, as compared to those non-insured. Other social health insurance schemes preserved high utilization with variable out-of-pocket expenditures. Family and age conditions have significant effect on medical service utilization. Geographic variables play a significant role in hospital inpatient service utilization. Both, geographic and income variables also have significant impact on out-of-pocket expenses. Projected utilization rates and a simulation favor a dual policy for two-stage income segmented insurance to progress towards the universal insurance goal. PMID:16929487

  3. Small firms' demand for health insurance: the decision to offer insurance.

    PubMed

    Hadley, Jack; Reschovsky, James D

    2002-01-01

    This paper explores the decisions by small business establishments (< 100 workers) to offer health insurance. We estimate a theoretically derived model of establishments' demand for insurance using nationally representative data from the 1997 Robert Wood Johnson Foundation Employer Health Insurance Survey and other sources. Findings show that offer decisions reflect worker demand, labor market conditions, and establishments' costs of providing coverage. Premiums have a moderate effect on offer decisions (elasticity = -.54), though very small establishments and those employing low-wage workers are more responsive. This suggests that premium subsidies to employers would be an inefficient means of increasing insurance coverage. Greater availability of public insurance and safety net care has a small negative effect on offer decisions. PMID:12371567

  4. Main Determinants of Supplementary Health Insurance Demand: (Case of Iran)

    PubMed Central

    Motlagh, Soraya Nouraei; Gorji, Hassan Abolghasem; Mahdavi, Ghadir; Ghaderi, Hossein

    2015-01-01

    Introduction: In the majority of developing countries, the volume of medical insurance services, provided by social insurance organizations is inadequate. Thus, supplementary medical insurance is proposed as a means to address inadequacy of medical insurance. Accordingly, in this article, we attempted to provide the context for expansion of this important branch of insurance through identification of essential factors affecting demand for supplementary medical insurance. Method: In this study, two methods were used to identify essential factors affecting choice of supplementary medical insurance including Classification and Regression Trees (CART) and Bayesian logit. To this end, Excel® software was used to refine data and R® software for estimation. The present study was conducted during 2012, covering all provinces in Iran. Sample size included 18,541 urban households, selected by Statistical Center of Iran using 3-stage cluster sampling approach. In this study, all data required were collected from the Statistical Center of Iran. Results: In 2012, an overall 8.04% of the Iranian population benefited from supplementary medical insurance. Demand for supplementary insurance is a concave function of age of the household head, and peaks in middle-age when savings and income are highest. The present study results showed greater likelihood of demand for supplementary medical insurance in households with better economic status, higher educated heads, female heads, and smaller households with greater expected medical expenses, and household income is the most important factor affecting demand for supplementary medical insurance. Conclusion: Since demand for supplementary medical insurance is hugely influenced by households’ economic status, policy-makers in the health sector should devise measures to improve households’ economic or financial access to supplementary insurance services, by identifying households in the lower economic deciles, and increasing their

  5. Future prospects of voluntary health insurance in Thailand.

    PubMed

    Supakankunti, S

    2000-03-01

    Voluntary health insurance schemes in Thailand are still under development and have yet to seriously address the questions of equity and efficiency, while private health insurance is limited to people who can afford the premium. One form of insurance, commonly known as the health insurance card scheme, was first introduced as the Health Card Program in 1983. This program is based on risk sharing of health expenditures, with no cost sharing, in a voluntary health insurance prepayment scheme. With the uncertain performance of the Thai economy, program sustainability and the efficient use of resources are major concerns. The Health Card Program needs enough enrollees to ensure a sufficient pool of risks. This study looks at health card purchase and utilization patterns, using data from Khon Kaen Province, and finds that employment, education levels and the presence of illness are significant factors influencing card purchase. The last factor is related to the problem of adverse selection of the program; families with symptoms of sickness are more likely to buy cards, resulting in greater use of health services. The results also show an improvement in accessibility to health care and a high level of satisfaction among card holders, both key objectives of the program. It is suggested that changes in the health card system could enable it to evolve into a community-based compulsory health insurance scheme for rural areas. PMID:10731239

  6. Benefit distribution of social health insurance: evidence from china's urban resident basic medical insurance.

    PubMed

    Pan, Jay; Tian, Sen; Zhou, Qin; Han, Wei

    2016-09-01

    Equity is one of the essential objectives of the social health insurance. This article evaluates the benefit distribution of the China's Urban Residents' Basic Medical Insurance (URBMI), covering 300 million urban populations. Using the URBMI Household Survey data fielded between 2007 and 2011, we estimate the benefit distribution by the two-part model, and find that the URBMI beneficiaries from lower income groups benefited less than that of higher income groups. In other words, government subsidy that was supposed to promote the universal coverage of health care flew more to the rich. Our study provides new evidence on China's health insurance system reform, and it bears meaningful policy implication for other developing countries facing similar challenges on the way to universal coverage of health insurance. PMID:26936094

  7. Insurance Coverage & Whither Thou Goest for Health Information in 2012

    PubMed Central

    Saulsberry, Loren; Price, Mary; Hsu, John

    2014-01-01

    Objective Examine use of the Internet (eHealth) and mobile health (mHealth) technologies by privately insured, publicly insured (Medicare/Medicaid), or uninsured U.S. adults in 2012. Data Source Pew Charitable Trust telephone interviews of a nationally representative, random sample of 3,014 adult U.S. residents, age 18+. Methods Estimate health information seeking behavior overall and by segment (i.e., insurance type), then, adjust estimates for individual traits, clinical need, and technology access using logistic regression. Results Most respondents prefer offline to online (Internet) health information sources; over half across all segments use the Internet. More respondents communicate with providers offline compared with online. Most self-reported Internet users use online tools for health information, with privately insured respondents more likely to use new technologies. Unadjusted use rates differ across segments. Medicaid beneficiaries are more likely than the privately insured to share health information online, and Medicare beneficiaries are more likely than the privately insured to text with health professionals. After adjustment, these differences were minimal (e.g., Medicare beneficiaries had odds similar to the privately insured of online physician consultations), or the direction of the association reversed (e.g., Medicaid beneficiaries had greater odds than the privately insured of online physician consultations versus lower odds before adjustment). Discussion Few adults report eHealth or mHealth use in 2012. Use levels appear unevenly distributed across insurance types, which could be mostly attributed to differences in individual traits and/or need. As out-of-pocket costs of medical care increases, consumers may increasingly turn to these generally free electronic health tools. PMID:25383242

  8. [The pharmaceutical cost of elderly people in private health insurance].

    PubMed

    Wild, F

    2009-12-01

    In this paper the author analyses the prescription of pharmaceuticals for elderly private insured persons. Data from eight firms form the basis of the survey. The main focus lies in the analysis of the expenditure per capita and the distribution of the pharmaceuticals costs. It will illustrate that costs for elderly private insured persons will have a great impact on the expenditure for the private health insurance companies in the coming years. PMID:20052826

  9. 77 FR 22691 - Fees on Health Insurance Policies and Self-Insured Plans for the Patient-Centered Outcomes...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-04-17

    ... Internal Revenue Service 26 CFR Parts 40 and 46 RIN 1545-BK59 Fees on Health Insurance Policies and Self... Protection and Affordable Care Act on issuers of certain health insurance policies and plan sponsors of..., Rebecca L. Baxter at (202) 622-3970 (regarding health insurance policies) or R. Lisa Mojiri-Azad at...

  10. Making health insurance cost-sharing clear to consumers: challenges in implementing health reform's insurance disclosure requirements.

    PubMed

    Quincy, Lynn

    2011-02-01

    The Affordable Care Act calls for a new health insurance disclosure form, called the Summary of Benefits and Coverage, which uses a fixed layout and standard terms and definitions to allow consumers to compare health insurance plans and understand terms of coverage. This brief reports on findings from a Consumers Union study that examined consumers' initial reactions to the form. Testing revealed that consumers were able to use the forms to make hypothetical choices among health plans. However, the study also found deep-seated confusion and lack of confidence with respect to health plan cost-sharing. These findings have significant implications for any venue providing comparative displays of health insurance information, like the future state exchanges, and for policies that rely on the ability of consumers to make informed health insurance purchasing decisions, such as "consumer-driven health care" policies. PMID:21348328