38 CFR 6.2 - Premium rate.

Code of Federal Regulations, 2014 CFR

2014-07-01

... 38 Pensions, Bonuses, and Veterans' Relief 1 2014-07-01 2014-07-01 false Premium rate. 6.2 Section 6.2 Pensions, Bonuses, and Veterans' Relief DEPARTMENT OF VETERANS AFFAIRS UNITED STATES GOVERNMENT LIFE INSURANCE Premiums § 6.2 Premium rate. Effective January 1, 1983, United States Government Life...

38 CFR 6.2 - Premium rate.

Code of Federal Regulations, 2012 CFR

2012-07-01

... 38 Pensions, Bonuses, and Veterans' Relief 1 2012-07-01 2012-07-01 false Premium rate. 6.2 Section 6.2 Pensions, Bonuses, and Veterans' Relief DEPARTMENT OF VETERANS AFFAIRS UNITED STATES GOVERNMENT LIFE INSURANCE Premiums § 6.2 Premium rate. Effective January 1, 1983, United States Government Life...

38 CFR 6.2 - Premium rate.

Code of Federal Regulations, 2013 CFR

2013-07-01

... 38 Pensions, Bonuses, and Veterans' Relief 1 2013-07-01 2013-07-01 false Premium rate. 6.2 Section 6.2 Pensions, Bonuses, and Veterans' Relief DEPARTMENT OF VETERANS AFFAIRS UNITED STATES GOVERNMENT LIFE INSURANCE Premiums § 6.2 Premium rate. Effective January 1, 1983, United States Government Life...

38 CFR 8.4 - Deduction of insurance premiums from compensation, retirement pay, or pension.

Code of Federal Regulations, 2010 CFR

2010-07-01

...' Relief DEPARTMENT OF VETERANS AFFAIRS NATIONAL SERVICE LIFE INSURANCE Premiums § 8.4 Deduction of insurance premiums from compensation, retirement pay, or pension. The insured under a National Service life insurance policy which is not lapsed may authorize the monthly deduction of premiums from disability...

38 CFR 8.4 - Deduction of insurance premiums from compensation, retirement pay, or pension.

Code of Federal Regulations, 2011 CFR

2011-07-01

...' Relief DEPARTMENT OF VETERANS AFFAIRS NATIONAL SERVICE LIFE INSURANCE Premiums § 8.4 Deduction of insurance premiums from compensation, retirement pay, or pension. The insured under a National Service life insurance policy which is not lapsed may authorize the monthly deduction of premiums from disability...

26 CFR 1.848-1 - Definitions and special provisions.

Code of Federal Regulations, 2010 CFR

2010-04-01

... to January 1, 1985, if the premiums on the contract are reported as life insurance premiums on the insurance company's annual statement (or could be reported as life insurance premiums if the company were... noncancellable or guaranteed renewable accident and health insurance contract. (2) Treatment of premiums on a...

Impact of terrorism and political instability on equity premium: Evidence from Pakistan

NASA Astrophysics Data System (ADS)

MengYun, Wu; Imran, Muhammad; Zakaria, Muhammad; Linrong, Zhang; Farooq, Muhammad Umer; Muhammad, Shah Khalid

2018-02-01

The study quantifies the impact of terrorism and political instability on firm equity premium in Pakistan using panel data for 306 non-financial firms for the period 2001 to 2014. Other variables included are law & order, government regime change and financial crisis of 2007/08. The estimated results reveal that terrorism has statistically significant negative impact on firm equity premium in Pakistan. This result is robust with alternative equation specifications. The result also remains same when terrorism variable is replaced with external and internal conflict variables. Law & order variable has significant positive effect on firm equity premium, which implies that equity premium increases with the improvement in law & order situation in the country. Equity premium also increases with government stability and when there is democratic system in the country. The result also reveals that global financial crisis of 2007/08 negatively influenced the firm equity premium. The study suggests some policy implications.

26 CFR 1.803-6 - Amortization of premium and accrual of discount.

Code of Federal Regulations, 2010 CFR

2010-04-01

... (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES Life Insurance Companies § 1.803-6 Amortization of premium... held by a life insurance company. Such adjustments are limited to the amount of appropriate... company. A life insurance company which adjusts amortization of premium or accrual of discount with...

Growth and variability in health plan premiums in the individual insurance market before the Affordable Care Act.

PubMed

Gruber, Jonathan

2014-06-01

Before we can evaluate the impact of the Affordable Care Act on health insurance premiums in the individual market, it is critical to understand the pricing trends of these premiums before the implementation of the law. Using rates of increase in the individual insurance market collected from state regulators, this issue brief documents trends in premium growth in the pre-ACA period. From 2008 to 2010, premiums grew by 10 percent or more per year. This growth was also highly variable across states, and even more variable across insurance plans within states. The study suggests that evaluating trends in premiums requires looking across a broad array of states and plans, and that policymakers must examine how present and future changes in premium rates compare with the more than 10 percent per year premium increases in the years preceding health reform.

26 CFR 1.264-1 - Premiums on life insurance taken out in a trade or business.

Code of Federal Regulations, 2010 CFR

2010-04-01

... section 101(a)(2); (2) portions of amounts of life insurance proceeds received at a date later than death... 26 Internal Revenue 3 2010-04-01 2010-04-01 false Premiums on life insurance taken out in a trade... TREASURY (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES Items Not Deductible § 1.264-1 Premiums on life...

26 CFR 31.3406(g)-1 - Exception for payments to certain payees and certain other payments.

Code of Federal Regulations, 2014 CFR

2014-04-01

... form prescribed under section 3406 for claiming exempt status. (c) Prepaid or advance premium life..., 1996, on prepaid or advance premium life-insurance contracts to a payee who is the owner for tax purposes of the prepaid or advance premium life-insurance contract. For purposes of this exception from...

26 CFR 1.801-7 - Variable annuities.

Code of Federal Regulations, 2010 CFR

2010-04-01

... the reserves, $100,000 was attributable to premium receipts, $50,000 to dividends and interest, $100... actual investment earnings. (2) The reserves held with respect to the annuity contracts described in section 801(g)(1) and subparagraph (1) of this paragraph shall qualify as life insurance reserves within...

5 CFR 179.203 - Definitions.

Code of Federal Regulations, 2010 CFR

2010-01-01

...) Health insurance premiums; (8) Normal retirement contributions as explained in 5 CFR 581.105(e) (e.g... Federal Employee's Group Life Insurance premiums) exclusive of optional life insurance premiums. Employee... the paying agency to offset the salary of an employee. Claim See debt. Creditor agency means an agency...

5 CFR 1639.4 - Definitions.

Code of Federal Regulations, 2010 CFR

2010-01-01

... additional withholding; (3) Health insurance premiums; (4) Normal retirement contributions as explained in 5 CFR 581.105(e); (5) Normal life insurance premiums, excluding optional life insurance premiums; and (6... employee of an agency, including a current member of the Armed Forces or Reserve of the Armed Forces of the...

Pricing of premiums for equity-linked life insurance based on joint mortality models

NASA Astrophysics Data System (ADS)

Riaman; Parmikanti, K.; Irianingsih, I.; Supian, S.

2018-03-01

Life insurance equity - linked is a financial product that not only offers protection, but also investment. The calculation of equity-linked life insurance premiums generally uses mortality tables. Because of advances in medical technology and reduced birth rates, it appears that the use of mortality tables is less relevant in the calculation of premiums. To overcome this problem, we use a combination mortality model which in this study is determined based on Indonesian Mortality table 2011 to determine the chances of death and survival. In this research, we use the Combined Mortality Model of the Weibull, Inverse-Weibull, and Gompertz Mortality Model. After determining the Combined Mortality Model, simulators calculate the value of the claim to be given and the premium price numerically. By calculating equity-linked life insurance premiums well, it is expected that no party will be disadvantaged due to the inaccuracy of the calculation result

26 CFR 1.264-1 - Premiums on life insurance taken out in a trade or business.

Code of Federal Regulations, 2012 CFR

2012-04-01

... 26 Internal Revenue 3 2012-04-01 2012-04-01 false Premiums on life insurance taken out in a trade or business. 1.264-1 Section 1.264-1 Internal Revenue INTERNAL REVENUE SERVICE, DEPARTMENT OF THE TREASURY (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES (CONTINUED) Items Not Deductible § 1.264-1 Premiums on life insurance taken out in a trade or...

29 CFR 4007.12 - Liability for single-employer premiums.

Code of Federal Regulations, 2010 CFR

2010-07-01

... of the plan administrator as the person required to make flat-rate and variable-rate premium filings... liable for flat-rate and variable-rate premium payments, and, if the contributing sponsor is a member of a controlled group, each member of the controlled group is jointly and severally liable for the...

A diagnosis of eosinophilic esophagitis is associated with increased life insurance premiums.

PubMed

Leiman, D A; Kochar, B; Posner, S; Fan, C; Patel, A; Shaheen, O; Keller, C Y; Koutlas, N T; Eluri, S; Dellon, E S

2018-05-24

Eosinophilic esophagitis (EoE) is a chronic disease that can be diagnosed at any age, but is not associated with malignancy and does not shorten lifespan. It remains unknown whether an EoE diagnosis affects insurability or insurance premium costs. We therefore aimed to determine whether a diagnosis of EoE affects the costs of life insurance. Our investigation was a secret shopper audit study whereby we contacted national insurance companies in the United States to evaluate the effect of a diagnosis of EoE on life insurance premiums. We constructed standardized case scenarios for males and females, including a 25-year-old and a 48-year-old without other comorbid conditions, who either had or did not have a diagnosis of EoE. Companies were asked for their best estimate for a $100,000 whole life insurance policy. Comparisons between median premiums were made using the Mann-Whitney U test. There were 20 national life insurance companies contacted and a total of 73 quotes were obtained. The median premium rate was similar for EoE and non-EoE cases at the younger age ($828 [IQR $576-1,020] vs. $756 [IQR $504-$804]; P = 0.10). However, the premium for the older case without EoE was 19% less expensive compared to a case with EoE ($1990 [IQR $1,248-2,350] vs. $2,375 [IQR $2,100-2568; P = 0.02]. This finding was not explained by sex or state of residence. Based on these findings, we conclude that life insurance premiums are significantly more expensive in the older patient case with EoE when compared to the same case without EoE. Patients with EoE and their providers should be aware of the additional cost associated with this diagnosis.

26 CFR 1.803-6 - Amortization of premium and accrual of discount.

Code of Federal Regulations, 2011 CFR

2011-04-01

... (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES (CONTINUED) Life Insurance Companies § 1.803-6 Amortization... held by a life insurance company. Such adjustments are limited to the amount of appropriate... company. A life insurance company which adjusts amortization of premium or accrual of discount with...

26 CFR 1.803-6 - Amortization of premium and accrual of discount.

Code of Federal Regulations, 2013 CFR

2013-04-01

... (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES (CONTINUED) Life Insurance Companies § 1.803-6 Amortization... held by a life insurance company. Such adjustments are limited to the amount of appropriate... company. A life insurance company which adjusts amortization of premium or accrual of discount with...

26 CFR 1.803-6 - Amortization of premium and accrual of discount.

Code of Federal Regulations, 2014 CFR

2014-04-01

... (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES (CONTINUED) Life Insurance Companies § 1.803-6 Amortization... held by a life insurance company. Such adjustments are limited to the amount of appropriate... company. A life insurance company which adjusts amortization of premium or accrual of discount with...

26 CFR 1.803-6 - Amortization of premium and accrual of discount.

Code of Federal Regulations, 2012 CFR

2012-04-01

... (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES (CONTINUED) Life Insurance Companies § 1.803-6 Amortization... held by a life insurance company. Such adjustments are limited to the amount of appropriate... company. A life insurance company which adjusts amortization of premium or accrual of discount with...

26 CFR 1.264-1 - Premiums on life insurance taken out in a trade or business.

Code of Federal Regulations, 2011 CFR

2011-04-01

... transferees, as provided in section 101(a)(2); (2) portions of amounts of life insurance proceeds received at a date later than death under the provisions of section 101(d); and (3) life insurance policy... 26 Internal Revenue 3 2011-04-01 2011-04-01 false Premiums on life insurance taken out in a trade...

75 FR 68956 - Debt Collection

Federal Register 2010, 2011, 2012, 2013, 2014

2010-11-10

... premium (including Federal Employees' Group Life Insurance--FEGLI--Basic premium or premium for similar... employees and former FHFA employees who are employed by other agencies by salary offset, that is, by deductions from the current pay account of the employee.\\8\\ Agencies are required to promulgate their own...

Two by two, inch by inch: Height as an indicator of environmental conditions during childhood and its influence on earnings over the life cycle among twins.

PubMed

Lång, Elisabeth; Nystedt, Paul

2018-02-01

Adult height is a function of genetic predispositions and environmental influences during childhood. Hence, any variation in height among monozygotic twins, who share genetic predispositions, is bound to reflect differences in their environmental exposure. Therefore, a height premium in earnings among monozygotic twins also reflects such exposure. In this study, we analyze the height premium over the life cycle among Swedish twins, 10,000 of whom are monozygotic. The premium is relatively constant over the life cycle, amounting to 5-6% higher earnings per decimeter for men and less for women, suggesting that environmental conditions in childhood and youth affect earnings over most of the adult life course. The premium is larger below median height for men and above median height for young women. The estimates are similar for monozygotic and dizygotic twins, indicating that environmentally and genetically induced height differences are similarly associated with earnings. Copyright © 2017 Elsevier B.V. All rights reserved.

Plan-provider integration, premiums, and quality in the Medicare Advantage market.

PubMed

Frakt, Austin B; Pizer, Steven D; Feldman, Roger

2013-12-01

To investigate how integration between Medicare Advantage plans and health care providers is related to plan premiums and quality ratings. We used public data from the Centers for Medicare and Medicaid Services (CMS) and the Area Resource File and private data from one large insurer. Premiums and quality ratings are from 2009 CMS administrative files and some control variables are historical. We estimated ordinary least-squares models for premiums and plan quality ratings, with state fixed effects and firm random effects. The key independent variable was an indicator of plan-provider integration. With the exception of Medigap premium data, all data were publicly available. We ascertained plan-provider integration through examination of plans' websites and governance documents. We found that integrated plan-providers charge higher premiums, controlling for quality. Such plans also have higher quality ratings. We found no evidence that integration is associated with more generous benefits. Current policy encourages plan-provider integration, although potential effects on health insurance products and markets are uncertain. Policy makers and regulators may want to closely monitor changes in premiums and quality after integration and consider whether quality improvement (if any) justifies premium increases (if they occur). © Health Research and Educational Trust.

The effects of competition on premiums: using United Healthcare's 2015 entry into Affordable Care Act's marketplaces as an instrumental variable.

PubMed

Agirdas, Cagdas; Krebs, Robert J; Yano, Masato

2018-01-08

One goal of the Affordable Care Act is to increase insurance coverage by improving competition and lowering premiums. To facilitate this goal, the federal government enacted online marketplaces in the 395 rating areas spanning 34 states that chose not to establish their own state-run marketplaces. Few multivariate regression studies analyzing the effects of competition on premiums suffer from endogeneity, due to simultaneity and omitted variable biases. However, United Healthcare's decision to enter these marketplaces in 2015 provides the researcher with an opportunity to address this endogeneity problem. Exploiting the variation caused by United Healthcare's entry decision as an instrument for competition, we study the impact of competition on premiums during the first 2 years of these marketplaces. Combining panel data from five different sources and controlling for 12 variables, we find that one more insurer in a rating area leads to a 6.97% reduction in the second-lowest-priced silver plan premium, which is larger than the estimated effects in existing literature. Furthermore, we run a threshold analysis and find that competition's effects on premiums become statistically insignificant if there are four or more insurers in a rating area. These findings are robust to alternative measures of premiums, inclusion of a non-linear term in the regression models and a county-level analysis.

Plan–Provider Integration, Premiums, and Quality in the Medicare Advantage Market

PubMed Central

Frakt, Austin B; Pizer, Steven D; Feldman, Roger

2013-01-01

Objective. To investigate how integration between Medicare Advantage plans and health care providers is related to plan premiums and quality ratings. Data Source. We used public data from the Centers for Medicare and Medicaid Services (CMS) and the Area Resource File and private data from one large insurer. Premiums and quality ratings are from 2009 CMS administrative files and some control variables are historical. Study Design. We estimated ordinary least-squares models for premiums and plan quality ratings, with state fixed effects and firm random effects. The key independent variable was an indicator of plan–provider integration. Data Collection. With the exception of Medigap premium data, all data were publicly available. We ascertained plan–provider integration through examination of plans’ websites and governance documents. Principal Findings. We found that integrated plan–providers charge higher premiums, controlling for quality. Such plans also have higher quality ratings. We found no evidence that integration is associated with more generous benefits. Conclusions. Current policy encourages plan–provider integration, although potential effects on health insurance products and markets are uncertain. Policy makers and regulators may want to closely monitor changes in premiums and quality after integration and consider whether quality improvement (if any) justifies premium increases (if they occur). PMID:23800017

26 CFR 1.7872-15 - Split-dollar loans.

Code of Federal Regulations, 2010 CFR

2010-04-01

... or indirectly by the non-owner to the owner (including a premium payment made by the non-owner...-dollar life insurance arrangement, the employer makes premium payments on this policy, there is a... paragraph (a)(2)(i) of this section, each premium payment is a loan for Federal tax purposes. Example 2. (i...

26 CFR 1.801-3 - Definitions.

Code of Federal Regulations, 2010 CFR

2010-04-01

... elects to revalue such reserves on a net level premium basis under section 818(c), such revalued basis... life insurance reserves (as defined in section 801(b) and § 1.801-4), plus unearned premiums, and... which a reserve in addition to the unearned premiums (as defined in paragraph (e) of this section) must...

26 CFR 1.810-2 - Rules for certain reserves.

Code of Federal Regulations, 2010 CFR

2010-04-01

... insurance reserves on a preliminary term basis elects to revalue such reserves on a net level premium basis... insurance reserves (as defined in section 801(b) and § 1.801-4); (2) The unearned premiums and unpaid losses... liabilities for premium deposit funds. (6) Special contingency reserves under contracts of group term life...

26 CFR 1.72-16 - Life insurance contracts purchased under qualified employee plans.

Code of Federal Regulations, 2010 CFR

2010-04-01

... includible in the gross income of the employee under this paragraph shall be considered as premiums or other... in Gross Income § 1.72-16 Life insurance contracts purchased under qualified employee plans. (a) Applicability of section. This section provides rules for the tax treatment of premiums paid under qualified...

Sub-Ethnic and Geographic Variations in Out-of-Pocket Private Health Insurance Premiums Among Mid-Life Asians.

PubMed

Choi, Sunha

2017-03-01

This study examined out-of-pocket premium burden of mid-life Asian Americans by comparing six sub-groups of Asians after controlling for geographic clustering at the county and state levels. The 2007-2011 National Health Interview Survey was linked to community-level data and analyzed for 4,628 Asians (ages 50-64), including 697 Asian Indians, 1,125 Chinese, 1,393 Filipinos, 434 Japanese, 524 Koreans, and 455 Vietnamese. Non-Hispanic Whites were included as a comparison group ( n = 48,135). Three-level multilevel modeling (state > county > individual) was conducted. Koreans and Vietnamese were found as vulnerable sub-groups considering their lower private health insurance rates and higher uninsured rates. Among those with private insurance, Asians, specifically Filipinos, paid significantly less than non-Hispanic Whites. Moderate but significant variations in the county- and state-level variance in out-of-pocket premiums were found, especially among mid-life Asians. This study demonstrates the importance of examining within-group heterogeneity and geographic variations in understanding premium burden among mid-life Asians.

Calculation of benefit reserves based on true m-thly benefit premiums

NASA Astrophysics Data System (ADS)

Riaman; Susanti, Dwi; Supriatna, Agus; Nurani Ruchjana, Budi

2017-10-01

Life insurance is a form of insurance that provides risk mitigation in life or death of a human. One of its advantages is measured life insurance. Insurance companies ought to give a sum of money as reserves to the customers. The benefit reserves are an alternative calculation which involves net and cost premiums. An insured may pay a series of benefit premiums to an insurer equivalent, at the date of policy issue, to the sum of to be paid on the death of the insured, or on survival of the insured to the maturity date. A balancing item is required and this item is a liability for one of the parties and the other is an asset. The balancing item, in loan, is the outstanding principle, an asset for the lender and the liability for the borrower. In this paper we examined the benefit reserves formulas corresponding to the formulas for true m-thly benefit premiums by the prospective method. This method specifies that, the reserves at the end of the first year are zero. Several principles can be used for the determined of benefit premiums, an equivalence relation is established in our discussion.

26 CFR 1.831-3 - Tax on insurance companies (other than life or mutual), mutual marine insurance companies, mutual...

Code of Federal Regulations, 2010 CFR

2010-04-01

... premium deposits not required for losses, expenses or reserves is returned or credited to the policyholder..., and mutual fire or flood insurance companies operating on the basis of premium deposits; taxable years... operating on the basis of premium deposits; taxable years beginning after December 31, 1962. (a) All...

26 CFR 1.823-1 - Net premiums.

Code of Federal Regulations, 2014 CFR

2014-04-01

... TAXES (CONTINUED) Mutual Insurance Companies (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which Operate on Basis of Perpetual Policies Or Premium...

26 CFR 1.823-4 - Net premiums.

Code of Federal Regulations, 2013 CFR

2013-04-01

... TAXES (CONTINUED) Mutual Insurance Companies (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which Operate on Basis of Perpetual Policies Or Premium...

26 CFR 1.822-11 - Net premiums.

Code of Federal Regulations, 2011 CFR

2011-04-01

... TAXES (CONTINUED) Mutual Insurance Companies (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which Operate on Basis of Perpetual Policies Or Premium...

26 CFR 1.823-1 - Net premiums.

Code of Federal Regulations, 2012 CFR

2012-04-01

... TAXES (CONTINUED) Mutual Insurance Companies (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which Operate on Basis of Perpetual Policies Or Premium...

26 CFR 1.822-11 - Net premiums.

Code of Federal Regulations, 2012 CFR

2012-04-01

... TAXES (CONTINUED) Mutual Insurance Companies (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which Operate on Basis of Perpetual Policies Or Premium...

26 CFR 1.822-11 - Net premiums.

Code of Federal Regulations, 2013 CFR

2013-04-01

... TAXES (CONTINUED) Mutual Insurance Companies (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which Operate on Basis of Perpetual Policies Or Premium...

26 CFR 1.823-4 - Net premiums.

Code of Federal Regulations, 2011 CFR

2011-04-01

... TAXES (CONTINUED) Mutual Insurance Companies (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which Operate on Basis of Perpetual Policies Or Premium...

26 CFR 1.823-1 - Net premiums.

Code of Federal Regulations, 2011 CFR

2011-04-01

... TAXES (CONTINUED) Mutual Insurance Companies (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which Operate on Basis of Perpetual Policies Or Premium...

26 CFR 1.823-4 - Net premiums.

Code of Federal Regulations, 2014 CFR

2014-04-01

... TAXES (CONTINUED) Mutual Insurance Companies (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which Operate on Basis of Perpetual Policies Or Premium...

26 CFR 1.823-4 - Net premiums.

Code of Federal Regulations, 2012 CFR

2012-04-01

... TAXES (CONTINUED) Mutual Insurance Companies (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which Operate on Basis of Perpetual Policies Or Premium...

26 CFR 1.823-1 - Net premiums.

Code of Federal Regulations, 2013 CFR

2013-04-01

... TAXES (CONTINUED) Mutual Insurance Companies (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which Operate on Basis of Perpetual Policies Or Premium...

26 CFR 1.822-11 - Net premiums.

Code of Federal Regulations, 2014 CFR

2014-04-01

... TAXES (CONTINUED) Mutual Insurance Companies (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which Operate on Basis of Perpetual Policies Or Premium...

26 CFR 31.3406(g)-1 - Exception for payments to certain payees and certain other payments.

Code of Federal Regulations, 2010 CFR

2010-04-01

... the payee is— (i) An organization exempt from taxation under section 501(a) or an individual... form prescribed under section 3406 for claiming exempt status. (c) Prepaid or advance premium life..., 1996, on prepaid or advance premium life-insurance contracts to a payee who is the owner for tax...

Impact of Hearing Aid Technology on Outcomes in Daily Life I: the Patients’ Perspective

PubMed Central

Cox, Robyn M; Johnson, Jani A; Xu, Jingjing

2016-01-01

Objectives One of the challenges facing hearing care providers when recommending hearing aids is the choice of device technology level. Major manufacturers market families of hearing aids that are described as spanning the range from basic technology to premium technology. Premium technology hearing aids include acoustical processing capabilities (features) that are not found in basic technology instruments. These premium features are intended to yield improved hearing in daily life compared to basic-feature devices. However, independent research that establishes the incremental effectiveness of premium-feature devices compared to basic-feature devices is lacking. This research was designed to explore reported differences in hearing abilities for adults using premium-feature and basic-feature hearing aids in their daily lives. Design This was a single-blinded, repeated, crossover trial in which the participants were blinded. All procedures were carefully controlled to limit researcher bias. Forty-five participants used carefully fitted bilateral hearing aids for one month and then provided data to describe the hearing improvements or deficiencies noted in daily life. Typical participants were 70 years old with mild to moderate adult-onset hearing loss bilaterally. Each participant used 4 pairs of hearing aids: premium- and basic-feature devices from brands marketed by each of two major manufacturers. Participants were blinded about the devices they used and about the research questions. Results All of the outcomes were designed to capture the participant’s point of view about the benefits of the hearing aids. Three types of data were collected: change in hearing-related quality of life, extent of agreement with six positively worded statements about everyday hearing with the hearing aids, and reported preferences between the premium- and basic-feature devices from each brand as well as across all four research hearing aids combined. None of these measures yielded a statistically significant difference in outcomes between premium- and basic-feature devices. Participants did not report better outcomes with premium processing with any measure. Conclusions It could reasonably be asserted that the patient’s perspective is the gold standard for hearing aid effectiveness. While the acoustical processing provided by premium features can potentially improve scores on tests conducted in contrived conditions in a laboratory, or on specific items in a questionnaire, this does not ensure that the processing will be of noteworthy benefit when the hearing aid is used in the real world challenges faced by the patient. If evidence suggests the patient cannot detect that premium features yield improvements over basic features in daily life, what is the responsibility of the provider in recommending hearing aid technology level? In the current research, there was no evidence to suggest that premium-feature devices yielded better outcomes than basic-feature devices from the patient’s point of view. All of the research hearing aids were substantially, but equally, helpful. Further research is needed on this topic with other hearing aids and other manufacturers. In the meantime, providers should insist on scientifically credible independent evidence to support effectiveness claims for any hearing help devices. PMID:26881981

26 CFR 1.823-4 - Net premiums.

Code of Federal Regulations, 2010 CFR

2010-04-01

... TAXES Mutual Insurance Companies (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which Operate on Basis of Perpetual Policies Or Premium Deposits) § 1...

26 CFR 1.823-1 - Net premiums.

Code of Federal Regulations, 2010 CFR

2010-04-01

... TAXES Mutual Insurance Companies (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which Operate on Basis of Perpetual Policies Or Premium Deposits) § 1...

26 CFR 1.822-11 - Net premiums.

Code of Federal Regulations, 2010 CFR

2010-04-01

... TAXES Mutual Insurance Companies (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which Operate on Basis of Perpetual Policies Or Premium Deposits) § 1...

Physical Premium Principle: A New Way for Insurance Pricing

NASA Astrophysics Data System (ADS)

Darooneh, Amir H.

2005-03-01

In our previous work we suggested a way for computing the non-life insurance premium. The probable surplus of the insurer company assumed to be distributed according to the canonical ensemble theory. The Esscher premium principle appeared as its special case. The difference between our method and traditional principles for premium calculation was shown by simulation. Here we construct a theoretical foundation for the main assumption in our method, in this respect we present a new (physical) definition for the economic equilibrium. This approach let us to apply the maximum entropy principle in the economic systems. We also extend our method to deal with the problem of premium calculation for correlated risk categories. Like the Buhlman economic premium principle our method considers the effect of the market on the premium but in a different way.

78 FR 55120 - Proposed Submission of Information Collections for OMB Review; Comment Request; Payment of...

Federal Register 2010, 2011, 2012, 2013, 2014

2013-09-09

... their controlled groups, determined on the day before the plan termination date. Interest on late... addition to the flat-rate and variable-rate premiums under section 4006(a)(3) and (8) of ERISA) that is... on Premium Rates (29 CFR part 4006) and Payment of Premiums (29 CFR part 4007) implement the...

26 CFR 1.818-4 - Election with respect to life insurance reserves computed on preliminary term basis.

Code of Federal Regulations, 2010 CFR

2010-04-01

... reserves for all such contracts had been computed on a net level premium basis (using the same mortality or... portion of such reserves during the taxable year by actually changing to a net level premium basis in... a net level premium basis for the purpose of determining the amount which may be taken into account...

45 CFR 607.2 - Definitions.

Code of Federal Regulations, 2010 CFR

2010-10-01

... Regulations Relating to Public Welfare (Continued) NATIONAL SCIENCE FOUNDATION SALARY OFFSET § 607.2..., health insurance premiums, retirement contributions, life insurance premiums, Federal employment taxes... supervision or control over the Chief Financial Officer. NSF means the National Science Foundation. Paying...

28 CFR 11.6 - Definitions.

Code of Federal Regulations, 2010 CFR

2010-07-01

... tax obligation supporting the additional withholding; (7) Health insurance premiums; (8) Normal...” Federal Employee's Group Life Insurance premiums), not including amounts deducted for supplementary... paying agency to offset the salary of an employee and specifies that appropriate procedural protections...

45 CFR 607.2 - Definitions.

Code of Federal Regulations, 2011 CFR

2011-10-01

... Regulations Relating to Public Welfare (Continued) NATIONAL SCIENCE FOUNDATION SALARY OFFSET § 607.2..., health insurance premiums, retirement contributions, life insurance premiums, Federal employment taxes... supervision or control over the Chief Financial Officer. NSF means the National Science Foundation. Paying...

45 CFR 607.2 - Definitions.

Code of Federal Regulations, 2013 CFR

2013-10-01

... Regulations Relating to Public Welfare (Continued) NATIONAL SCIENCE FOUNDATION SALARY OFFSET § 607.2..., health insurance premiums, retirement contributions, life insurance premiums, Federal employment taxes... supervision or control over the Chief Financial Officer. NSF means the National Science Foundation. Paying...

45 CFR 607.2 - Definitions.

Code of Federal Regulations, 2014 CFR

2014-10-01

... Regulations Relating to Public Welfare (Continued) NATIONAL SCIENCE FOUNDATION SALARY OFFSET § 607.2..., health insurance premiums, retirement contributions, life insurance premiums, Federal employment taxes... supervision or control over the Chief Financial Officer. NSF means the National Science Foundation. Paying...

45 CFR 607.2 - Definitions.

Code of Federal Regulations, 2012 CFR

2012-10-01

... Regulations Relating to Public Welfare (Continued) NATIONAL SCIENCE FOUNDATION SALARY OFFSET § 607.2..., health insurance premiums, retirement contributions, life insurance premiums, Federal employment taxes... supervision or control over the Chief Financial Officer. NSF means the National Science Foundation. Paying...

The Effect of Health Plan Characteristics on Medicare+Choice Enrollment

PubMed Central

Dowd, Bryan E; Feldman, Roger; Coulam, Robert

2003-01-01

Objective To provide national estimates of the effect of out-of-pocket premiums and benefits on Medicare beneficiaries' choice among managed care health plans. Data Sources/Study Setting The data represent the population of all Medicare+Choice (M+C) plans offered to Medicare beneficiaries in the United States in 1999. Study Design The dependent variable is the log of the ratio of the market share of the jth health plan to the lowest cost plan in the beneficiary's county of residence. The explanatory variables are measures of premiums and benefits in the jth health plan relative to the premiums and benefits in the lowest cost plan. Data Collection Methods The data are from the 1999 Medicare Compare database, and M+C enrollment data from the Centers for Medicare and Medicaid Services (CMS). Principal Findings A $10 increase in an M+C plan's out-of-pocket premium, relative to its competitors, is associated with a decrease of four percentage points in the jth plan's market share (i.e., from 25 to 21 percent), holding the premiums of competing plans constant. Conclusions Although our price elasticity estimates are low, the market share losses associated with small changes in a health plan's premium, relative to its competitors, may be sufficient to discipline premiums in a competitive market. Bidding behavior by plans in the Medicare Competitive Pricing Demonstration supports this conclusion. PMID:12650384

Impact of Hearing Aid Technology on Outcomes in Daily Life III: Localization.

PubMed

Johnson, Jani A; Xu, Jingjing; Cox, Robyn M

Compared to basic-feature hearing aids, premium-feature hearing aids have more advanced technologies and sophisticated features. The objective of this study was to explore the difference between premium-feature and basic-feature hearing aids in horizontal sound localization in both laboratory and daily life environments. We hypothesized that premium-feature hearing aids would yield better localization performance than basic-feature hearing aids. Exemplars of premium-feature and basic-feature hearing aids from two major manufacturers were evaluated. Forty-five older adults (mean age 70.3 years) with essentially symmetrical mild to moderate sensorineural hearing loss were bilaterally fitted with each of the four pairs of hearing aids. Each pair of hearing aids was worn during a 4-week field trial and then evaluated using laboratory localization tests and a standardized questionnaire. Laboratory localization tests were conducted in a sound-treated room with a 360°, 24-loudspeaker array. Test stimuli were high frequency and low frequency filtered short sentences. The localization test in quiet was designed to assess the accuracy of front/back localization, while the localization test in noise was designed to assess the accuracy of locating sound sources throughout a 360° azimuth in the horizontal plane. Laboratory data showed that unaided localization was not significantly different from aided localization when all hearing aids were combined. Questionnaire data showed that aided localization was significantly better than unaided localization in everyday situations. Regarding the difference between premium-feature and basic-feature hearing aids, laboratory data showed that, overall, the premium-feature hearing aids yielded more accurate localization than the basic-feature hearing aids when high-frequency stimuli were used, and the listening environment was quiet. Otherwise, the premium-feature and basic-feature hearing aids yielded essentially the same performance in other laboratory tests and in daily life. The findings were consistent for both manufacturers. Laboratory tests for two of six major manufacturers showed that premium-feature hearing aids yielded better localization performance than basic-feature hearing aids in one out of four laboratory conditions. There was no difference between the two feature levels in self-reported everyday localization. Effectiveness research with different hearing aid technologies is necessary, and more research with other manufacturers' products is needed. Furthermore, these results confirm previous observations that research findings in laboratory conditions might not translate to everyday life.

26 CFR 20.2031-8 - Valuation of certain life insurance and annuity contracts; valuation of shares in an open-end...

Code of Federal Regulations, 2010 CFR

2010-04-01

... Interpolated terminal reserve at date of Z's death 13,510.33 Two-thirds of gross premium (2/3×$2,811) 1,874.00... decedent's death the proportionate part of the gross premium last paid before the date of the decedent's... and at a time when Z's wife was 35 years of age. The gross annual premium is $2,811 and the decedent...

Integrating Risk Adjustment and Enrollee Premiums in Health Plan Payment

PubMed Central

McGuire, Thomas G.; Glazer, Jacob; Newhouse, Joseph P.; Normand, Sharon-Lise; Shi, Julie; Sinaiko, Anna D.; Zuvekas, Samuel

2013-01-01

In two important health policy contexts – private plans in Medicare and the new state-run “Exchanges” created as part of the Affordable Care Act (ACA) – plan payments come from two sources: risk-adjusted payments from a Regulator and premiums charged to individual enrollees. This paper derives principles for integrating risk-adjusted payments and premium policy in individual health insurance markets based on fitting total plan payments to health plan costs per person as closely as possible. A least squares regression including both health status and variables used in premiums reveals the weights a Regulator should put on risk adjusters when markets determine premiums. We apply the methods to an Exchange-eligible population drawn from the Medical Expenditure Panel Survey (MEPS). PMID:24308878

MCBS Highlights: Ownership and Average Premiums for Medicare Supplementary Insurance Policies

PubMed Central

Chulis, George S.; Eppig, Franklin J.; Poisal, John A.

1995-01-01

This article describes private supplementary health insurance holdings and average premiums paid by Medicare enrollees. Data were collected as part of the 1992 Medicare Current Beneficiary Survey (MCBS). Data show the number of persons with insurance and average premiums paid by type of insurance held—individually purchased policies, employer-sponsored policies, or both. Distributions are shown for a variety of demographic, socioeconomic, and health status variables. Primary findings include: Seventy-eight percent of Medicare beneficiaries have private supplementary insurance; 25 percent of those with private insurance hold more than one policy. The average premium paid for private insurance in 1992 was $914. PMID:10153473

Integrating risk adjustment and enrollee premiums in health plan payment.

PubMed

McGuire, Thomas G; Glazer, Jacob; Newhouse, Joseph P; Normand, Sharon-Lise; Shi, Julie; Sinaiko, Anna D; Zuvekas, Samuel H

2013-12-01

In two important health policy contexts - private plans in Medicare and the new state-run "Exchanges" created as part of the Affordable Care Act (ACA) - plan payments come from two sources: risk-adjusted payments from a Regulator and premiums charged to individual enrollees. This paper derives principles for integrating risk-adjusted payments and premium policy in individual health insurance markets based on fitting total plan payments to health plan costs per person as closely as possible. A least squares regression including both health status and variables used in premiums reveals the weights a Regulator should put on risk adjusters when markets determine premiums. We apply the methods to an Exchange-eligible population drawn from the Medical Expenditure Panel Survey (MEPS). Copyright © 2013 Elsevier B.V. All rights reserved.

12 CFR 1208.2 - Definitions.

Code of Federal Regulations, 2012 CFR

2012-01-01

... authorized by statute to collect for the benefit of any person; (5) The unpaid share of any non-Federal partner in a program involving a Federal payment, and a matching or cost-sharing payment by the non... (including Federal Employees' Group Life Insurance—FEGLI—Basic premium or premium for similar benefit under...

12 CFR 1208.2 - Definitions.

Code of Federal Regulations, 2011 CFR

2011-01-01

... authorized by statute to collect for the benefit of any person; (5) The unpaid share of any non-Federal partner in a program involving a Federal payment, and a matching or cost-sharing payment by the non... (including Federal Employees' Group Life Insurance—FEGLI—Basic premium or premium for similar benefit under...

12 CFR 1208.2 - Definitions.

Code of Federal Regulations, 2014 CFR

2014-01-01

... authorized by statute to collect for the benefit of any person; (5) The unpaid share of any non-Federal partner in a program involving a Federal payment, and a matching or cost-sharing payment by the non... (including Federal Employees' Group Life Insurance—FEGLI—Basic premium or premium for similar benefit under...

12 CFR 1208.2 - Definitions.

Code of Federal Regulations, 2013 CFR

2013-01-01

... authorized by statute to collect for the benefit of any person; (5) The unpaid share of any non-Federal partner in a program involving a Federal payment, and a matching or cost-sharing payment by the non... (including Federal Employees' Group Life Insurance—FEGLI—Basic premium or premium for similar benefit under...

Compensated for Life: Sex Work and Disease Risk

ERIC Educational Resources Information Center

Arunachalam, Raj; Shah, Manisha

2013-01-01

Sex workers draw a premium for engaging in unprotected sex. We theoretically motivate a test of whether this premium represents a compensating differential for disease, thereby mitigating sex workers' propensity to use condoms. Using transaction-level data and biological STI markers from sex workers in Ecuador, we exploit within-worker variation…

Right hepatic lobe donation adversely affects donor life insurability up to one year after donation.

PubMed

Nissing, Matthew H; Hayashi, Paul H

2005-07-01

There are no data regarding hepatic lobe donation effects on donor life insurability. Two investigators called 10 agents of 10 different large life insurance companies. One investigator gave a fictitious profile: Caucasian man, 33 years old, nonsmoker, without medical problems (control profile [CP]). The other investigator used the same profile with a history of uncomplicated right lobe donation 12 months earlier (donor profile [DP]). Investigators asked for premium quotes on a $100,000 term life policy. No medical testing or record review was allowed. Investigators were blinded to the results of each other's calls. Agents were unaware of the study. We documented underwriting decisions, premiums quoted, stipulations, number of phone calls, and phone time. All 10 companies would pursue underwriting CP at their lowest, "preferred" rate. Five would do the same for DP. Two might underwrite DP at a more expensive "standard" rate, but a "preferred" rate would be less likely. One would underwrite DP at the "standard" rate; one would not underwrite DP. One agent did not return follow-up calls (DP insurability < CP, P = 0.04). Mean quoted premiums were lower for CP vs. DP ($189/yr. vs. $202/yr., P = 0.56). Median number of phone calls required was 1 for CP and 3 for DP (P = 0.01). Mean telephone minutes were 4.2 for CP and 8.0 for DP (P = 0.004). In conclusion, right hepatic lobe donation decreases life insurability 1 year after uncomplicated donation. Donors can expect some increased difficulty obtaining life insurance, but they should find a company willing to pursue underwriting. The premium paid may be slightly higher.

76 FR 70510 - Federal Employees' Group Life Insurance Program: New Federal Employees' Group Life Insurance...

Federal Register 2010, 2011, 2012, 2013, 2014

2011-11-14

... OFFICE OF PERSONNEL MANAGEMENT Federal Employees' Group Life Insurance Program: New Federal Employees' Group Life Insurance (FEGLI) Premiums AGENCY: Office of Personnel Management. ACTION: Notice... [[Page 70511

Can the NICE "end-of-life premium" be given a coherent ethical justification?

PubMed

Cookson, Richard

2013-12-01

In 2009 the UK National Institute for Health and Clinical Excellence (NICE) announced that its health technology appraisal committees would henceforth give special additional weight to health gains from life-extending end-of-life treatments. This was a response to mounting concern from NICE's stakeholders that effective new drugs for end-stage cancer often fail NICE's standard test of cost effectiveness. This change of policy may be justifiable on procedural grounds as the result of a democratic political process responding to stakeholder concerns. However, according to the "accountability for reasonableness" framework proposed by the philosopher Norman Daniels and endorsed by NICE, there also needs to be transparency about the substantive ethical grounds for public health care resource allocation decisions. In that spirit, I analyze eleven potentially relevant justifications for the NICE "end-of-life premium," drawn from the economics and philosophy literature: (1) rule of rescue, (2) fair chances, (3) ex post willingness to pay, (4) caring externality, (5) financial protection, (6) symbolic value, (7) diminishing marginal value of future life years, (8) concentration of benefits, (9) dread, (10) time to set your affairs in order, and (11) severity of illness. I conclude that none of them yields a coherent ethical justification for the NICE end-of-life premium.

38 CFR 8.21 - Misstatement of age.

Code of Federal Regulations, 2013 CFR

2013-07-01

... 38 Pensions, Bonuses, and Veterans' Relief 1 2013-07-01 2013-07-01 false Misstatement of age. 8.21... INSURANCE Age § 8.21 Misstatement of age. If the age of the insured under a National Service life insurance... amount as the premium paid would have purchased at the correct age; if overstated, the excess of premiums...

38 CFR 8.21 - Misstatement of age.

Code of Federal Regulations, 2014 CFR

2014-07-01

... 38 Pensions, Bonuses, and Veterans' Relief 1 2014-07-01 2014-07-01 false Misstatement of age. 8.21... INSURANCE Age § 8.21 Misstatement of age. If the age of the insured under a National Service life insurance... amount as the premium paid would have purchased at the correct age; if overstated, the excess of premiums...

38 CFR 8.21 - Misstatement of age.

Code of Federal Regulations, 2011 CFR

2011-07-01

... 38 Pensions, Bonuses, and Veterans' Relief 1 2011-07-01 2011-07-01 false Misstatement of age. 8.21... INSURANCE Age § 8.21 Misstatement of age. If the age of the insured under a National Service life insurance... amount as the premium paid would have purchased at the correct age; if overstated, the excess of premiums...

38 CFR 8.21 - Misstatement of age.

Code of Federal Regulations, 2012 CFR

2012-07-01

... 38 Pensions, Bonuses, and Veterans' Relief 1 2012-07-01 2012-07-01 false Misstatement of age. 8.21... INSURANCE Age § 8.21 Misstatement of age. If the age of the insured under a National Service life insurance... amount as the premium paid would have purchased at the correct age; if overstated, the excess of premiums...

38 CFR 8.21 - Misstatement of age.

Code of Federal Regulations, 2010 CFR

2010-07-01

... 38 Pensions, Bonuses, and Veterans' Relief 1 2010-07-01 2010-07-01 false Misstatement of age. 8.21... INSURANCE Age § 8.21 Misstatement of age. If the age of the insured under a National Service life insurance... amount as the premium paid would have purchased at the correct age; if overstated, the excess of premiums...

26 CFR 1.810-3 - Adjustment for change in computing reserves.

Code of Federal Regulations, 2010 CFR

2010-04-01

... restatement under section 818(c) 60 75 Strengthened reserves at 2-percent assumed rate and net level premium... preliminary term basis on January 1, 1960 ($50) and the reserves restated on the net level premium basis on... life insurance reserves on a preliminary term basis elects to revalue such reserves on a net level...

26 CFR 1.815-6 - Special rules.

Code of Federal Regulations, 2010 CFR

2010-04-01

... percent of the net amount of the premiums and other consideration taken into account for the taxable year... insurance reserves (as defined in sec. 801(b)) as of 12-31-58 3,900 Premiums and other consideration taken... greatest: (i) 15 percent of life insurance reserves (as defined in section 801(b) and paragraph (a) of § 1...

Analysis of private health insurance premium growth rates: 1985-1992.

PubMed

Feldstein, P J; Wickizer, T M

1995-10-01

The rate of increase in health care expenditures has been a central policy concern for well over a decade, yet little empirical research has been conducted to examine expenditure growth rates. This study analyzed health insurance premium growth rates for a selected sample of 95 insured groups over the period 1985 to 1992. During this time, premiums increased by approximately 150% in nominal terms and by 45% in real terms. The observed rate of growth was not constant over time, however. The most rapid growth occurred during the years 1986 to 1989; thereafter, the rate of increase in premiums declined. Multivariate analysis was conducted to assess the effects on premium growth rates of selected variables representing insurance benefit design features, market competitive factors, insurance system factors, and group-specific factors. In addition to the percentage increase in benefit payments, other factors found to affect premium growth rates were health maintenance organization market penetration, deductible level, the coinsurance rate, and state insurance mandates. Further, this analysis suggests that the insurance underwriting cycle may play an important role in influencing insurance premium growth rates. These results support the belief that health maintenance organization induced competition has potential to control the rate of increase in health care costs.

Effect of a new diagnosis of Barrett's esophagus on insurance status.

PubMed

Shaheen, Nicholas J; Dulai, Gareth S; Ascher, Brian; Mitchell, Kate L; Schmitz, Sarah M

2005-03-01

Barrett's esophagus (BE) is associated with an increased risk of adenocarcinoma of the esophagus. Despite this increased risk, most cohort studies demonstrate that the mean life expectancy of subjects with BE is no different than age-matched controls. The indirect costs associated with a diagnosis of BE are unclear. To assess the effect of a diagnosis of BE on insurance premiums. We assessed twenty national life insurance companies (10 in southern California, 10 in North Carolina) to determine the effect of a diagnosis of BE on life insurance premiums. Our base case in Los Angeles was a 36-yr-old female nonsmoker, and in North Carolina, a 43-yr-old Caucasian male nonsmoker, both in excellent health except for a diagnosis of prevalent BE with no dysplasia. The policy requested was a 20-yr guaranteed term life insurance in the amount of $1,000,000. Companies were asked for their best price exclusive of the BE, and also their best price when considering BE as a preexisting condition. For those companies not offering the "preferred" rates, the insurance representative was subsequently sent a physician's letter explaining BE and providing data substantiating a normal life expectancy in the condition. Companies were also asked for health insurance quotes, including premiums and deductibles, inclusive and exclusive of the diagnosis of BE. Twenty national insurance companies were contacted. For the 43-yr-old man with no BE, the yearly "preferred" premium for life insurance averaged $1,255. The mean cost of the policies offered to the same individual with BE as a preexisting condition was $2,731 (p < 0.001). For the 36-yr-old female the base rate exclusive of BE was $517, with a range of $472-$551. After inclusion of the diagnosis of BE, the mean rate rose by 177%, to $1,434, with a range of $1,144-$1,896. Companies either refused to provide health insurance to the individual with BE or would not provide a quote without review of the medical record. None of the insurance companies changed their quoted rates after receiving the letter written by the physician on behalf of the individual. Despite the preponderance of data demonstrating a normal life expectancy associated with the condition, a diagnosis of BE more than doubles life insurance premiums, and impacts the availability of health insurance. Further steps to educate insurance companies about the risks associated with BE are warranted, and patients should understand this additional "risk" of endoscopic screening for BE. There are significant indirect costs associated with a diagnosis of BE.

Influence of variable milk quality premiums on observed milk quality.

PubMed

Nightingale, C; Dhuyvetter, K; Mitchell, R; Schukken, Y

2008-03-01

The objective of this study was to evaluate a premium program for very high quality milk in a US cooperative. Data were available on a monthly basis from a large US milk cooperative from April 1998 through December 2005. The data set consisted of 36,930 observations representing producer-months. The actual amount of the low bulk tank somatic cell count (BTSCC) premium varied from $0.15 per hundred pounds (cwt.) of milk to $1.00/cwt. with steps in between of $0.50 and $0.60 per cwt. of milk during the data collection period. Data analysis was done to evaluate the impact of the premium program on average BTSCC and on the probability of a producer to ship milk with <100,000 cells/mL in a given month. The results showed a strong effect of the premium program on both the average BTSCC and the probability of producing milk with very low BTSCC. On average, the BTSCC of all the milk in the cooperative was reduced by 22,000 cells during the high premium period. The probability of producing milk with BTSCC <100,000 doubled during some months of the high premium period from 4 to 8%, and an associated 10% increase in probability to produce milk below 200,000 cells/mL was observed. The data clearly indicate that premium offerings for very high quality milk affect the overall milk quality in the population affected by the premium. Producers responded to the high premiums and the overall impact on milk quality was substantial. We argue that the combination of a penalty program for high BTSCC milk with a premium program for very high quality milk (low BTSCC) provides a strong incentive for improvement of milk quality.

A new measure of the impact of managed care on healthcare markets.

PubMed

Pawlson, L G; Moy, E M; Kim, J I; Griner, P F

2001-11-01

Most studies of managed care impact have used health maintenance organization (HMO) penetration or index of competition as the marker of managed care impact. However, little empirical evidence has been found to support the validity of these or other measures in current use. In addition, as managed care evolves to forms other than HMOs and managed care penetration in large metropolitan areas approaches 100% of commercially insured patients, the utility of the most commonly used measure, HMO penetration, will decrease still further. To provide a preliminary analysis of the use of premiums as a measure of market impact of managed care. Retrospective analysis (quartile, correlation, multiple-variable linear regression) of publicly available datasets. Labor market-adjusted HMO premiums from 3 publicly available sources, for the 56 largest metropolitan areas in the United States, were compared with penetration and index of competition as predictors of the dependent market variable, hospital bed-days per 1000 population. Health maintenance organization premiums in the Federal Employees Health Benefits Program emerged as the best predictor of HMO market impact. Average HMO premiums reported in the Interstudy database and for the Medicare+Choice program also outperformed penetration or index of competition in relating to several commonly available markers of competition such as bed-days per 1000. Premiums charged by HMOs are a useful measure of the impact of managed care on healthcare markets in large metropolitan areas.

26 CFR 1.803-1 - Life insurance reserves.

Code of Federal Regulations, 2011 CFR

2011-04-01

... 26 Internal Revenue 8 2011-04-01 2011-04-01 false Life insurance reserves. 1.803-1 Section 1.803-1...) INCOME TAXES (CONTINUED) Life Insurance Companies § 1.803-1 Life insurance reserves. (a) The term “life... life insurance, are held to supplement the future premium receipts when the latter, alone, are...

Non-life insurance pricing: multi-agent model

NASA Astrophysics Data System (ADS)

Darooneh, A. H.

2004-11-01

We use the maximum entropy principle for the pricing of non-life insurance and recover the Bühlmann results for the economic premium principle. The concept of economic equilibrium is revised in this respect.

38 CFR 8.18 - Total disability-speech.

Code of Federal Regulations, 2010 CFR

2010-07-01

... SERVICE LIFE INSURANCE Premium Waivers and Total Disability § 8.18 Total disability—speech. The organic loss of speech shall be deemed to be total disability under National Service Life Insurance. [67 FR...

38 CFR 8.18 - Total disability-speech.

Code of Federal Regulations, 2011 CFR

2011-07-01

... SERVICE LIFE INSURANCE Premium Waivers and Total Disability § 8.18 Total disability—speech. The organic loss of speech shall be deemed to be total disability under National Service Life Insurance. [67 FR...

31 CFR 500.526 - Transactions involving blocked life insurance policies.

Code of Federal Regulations, 2010 CFR

2010-07-01

... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false Transactions involving blocked life... blocked life insurance policies. (a) The following transactions are hereby authorized: (1) The payment of premiums and interest on policy loans with respect to any blocked life insurance policy; (2) The issuance...

31 CFR 515.526 - Transactions involving blocked life insurance policies.

Code of Federal Regulations, 2010 CFR

2010-07-01

... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false Transactions involving blocked life... blocked life insurance policies. (a) The following transactions are hereby authorized: (1) The payment of premiums and interest on policy loans with respect to any blocked life insurance policy; (2) The issuance...

26 CFR 1.803-1 - Life insurance reserves.

Code of Federal Regulations, 2010 CFR

2010-04-01

... 26 Internal Revenue 8 2010-04-01 2010-04-01 false Life insurance reserves. 1.803-1 Section 1.803-1...) INCOME TAXES Life Insurance Companies § 1.803-1 Life insurance reserves. (a) The term “life insurance reserves” is defined in section 803(b). Generally, such reserves, as in the case of level premium life...

A Comparative Analysis of the Financial Incentives of Two Distinct Experience-Rating Programs.

PubMed

Tompa, Emile; McLeod, Chris; Mustard, Cam

2016-07-01

The aim of this study was to compare the association between insurance premium incentives and claim outcomes in two different workers' compensation programs. Regression models were run for claim outcomes using data from two Canadian jurisdictions with different experience-rating programs-one with prospective (British Columbia) and another with retrospective (Ontario) adjustment of premiums. Key explanatory variables were past premium adjustments. For both programs, past premium adjustments were significantly associated with claim outcomes, suggesting adjustments provided incentives for claims reduction. The magnitudes of effects in the prospective program were smaller than the retrospective one, though relative persistence of effects over time was larger. Having large and immediate employer responses to incentives may appear desirable, but insurers should consider the time required for employers to improve and sustain good practices, and create incentives that parallel such time lines.

Relative Affordability of Health Insurance Premiums under CHIP Expansion Programs and the ACA.

PubMed

Gresenz, Carole Roan; Laugesen, Miriam J; Yesus, Ambeshie; Escarce, José J

2011-10-01

Affordability is integral to the success of health care reforms aimed at ensuring universal access to health insurance coverage, and affordability determinations have major policy and practical consequences. This article describes factors that influenced the determination of affordability benchmarks and premium-contribution requirements for Children's Health Insurance Program (CHIP) expansions in three states that sought to universalize access to coverage for youth. It also compares subsidy levels developed in these states to the premium subsidy schedule under the Affordable Care Act (ACA) for health insurance plans purchased through an exchange. We find sizeable variability in premium-contribution requirements for children's coverage as a percentage of family income across the three states and in the progressivity and regressivity of the premium-contribution schedules developed. These findings underscore the ambiguity and subjectivity of affordability standards. Further, our analyses suggest that while the ACA increases the affordability of family coverage for families with incomes below 400 percent of the federal poverty level, the evolution of CHIP over the next five to ten years will continue to have significant implications for low-income families.

Construction Performance Optimization toward Green Building Premium Cost Based on Greenship Rating Tools Assessment with Value Engineering Method

NASA Astrophysics Data System (ADS)

Latief, Yusuf; Berawi, Mohammed Ali; Basten, Van; Riswanto; Budiman, Rachmat

2017-07-01

Green building concept becomes important in current building life cycle to mitigate environment issues. The purpose of this paper is to optimize building construction performance towards green building premium cost, achieving green building rating tools with optimizing life cycle cost. Therefore, this study helps building stakeholder determining building fixture to achieve green building certification target. Empirically the paper collects data of green building in the Indonesian construction industry such as green building fixture, initial cost, operational and maintenance cost, and certification score achievement. After that, using value engineering method optimized green building fixture based on building function and cost aspects. Findings indicate that construction performance optimization affected green building achievement with increasing energy and water efficiency factors and life cycle cost effectively especially chosen green building fixture.

The Application Law of Large Numbers That Predicts The Amount of Actual Loss in Insurance of Life

NASA Astrophysics Data System (ADS)

Tinungki, Georgina Maria

2018-03-01

The law of large numbers is a statistical concept that calculates the average number of events or risks in a sample or population to predict something. The larger the population is calculated, the more accurate predictions. In the field of insurance, the Law of Large Numbers is used to predict the risk of loss or claims of some participants so that the premium can be calculated appropriately. For example there is an average that of every 100 insurance participants, there is one participant who filed an accident claim, then the premium of 100 participants should be able to provide Sum Assured to at least 1 accident claim. The larger the insurance participant is calculated, the more precise the prediction of the calendar and the calculation of the premium. Life insurance, as a tool for risk spread, can only work if a life insurance company is able to bear the same risk in large numbers. Here apply what is called the law of large number. The law of large numbers states that if the amount of exposure to losses increases, then the predicted loss will be closer to the actual loss. The use of the law of large numbers allows the number of losses to be predicted better.

77 FR 5443 - Longevity Annuity Contracts

Federal Register 2010, 2011, 2012, 2013, 2014

2012-02-03

... approximate life expectancy of an employee at retirement, and was recommended in a number of the comments... employee would be less expensive if it provided for a life annuity payable to a designated beneficiary upon.... After paying a lower premium for such a life annuity, the employee would be able to retain a larger...

NOAA Workforce Management Office

Science.gov Websites

Home Careers at NOAA Search Criteria Click to Search WORKFORCE MANAGEMENT OFFICE NATIONAL OCEANIC Federal Employees Health (FEHB) Life (FEGLI) Life Insurance and Active Duty Information Long Term Care (FLTCIP) New Employee Benefit Information OPM Retirement Information Premium Conversion - Health Benefits

NOAA Workforce Management Office

Science.gov Websites

Federal Employees Health (FEHB) Life (FEGLI) Life Insurance and Active Duty Information Long Term Care (FLTCIP) New Employee Benefit Information OPM Retirement Information Premium Conversion - Health Benefits and FERS Handbook Military Service Deposit Information Non-foreign Area Retirement Equity Assurance

Impact of Hearing Aid Technology on Outcomes in Daily Life II: Speech Understanding and Listening Effort.

PubMed

Johnson, Jani A; Xu, Jingjing; Cox, Robyn M

2016-01-01

Modern hearing aid (HA) devices include a collection of acoustic signal-processing features designed to improve listening outcomes in a variety of daily auditory environments. Manufacturers market these features at successive levels of technological sophistication. The features included in costlier premium hearing devices are designed to result in further improvements to daily listening outcomes compared with the features included in basic hearing devices. However, independent research has not substantiated such improvements. This research was designed to explore differences in speech-understanding and listening-effort outcomes for older adults using premium-feature and basic-feature HAs in their daily lives. For this participant-blinded, repeated, crossover trial 45 older adults (mean age 70.3 years) with mild-to-moderate sensorineural hearing loss wore each of four pairs of bilaterally fitted HAs for 1 month. HAs were premium- and basic-feature devices from two major brands. After each 1-month trial, participants' speech-understanding and listening-effort outcomes were evaluated in the laboratory and in daily life. Three types of speech-understanding and listening-effort data were collected: measures of laboratory performance, responses to standardized self-report questionnaires, and participant diary entries about daily communication. The only statistically significant superiority for the premium-feature HAs occurred for listening effort in the loud laboratory condition and was demonstrated for only one of the tested brands. The predominant complaint of older adults with mild-to-moderate hearing impairment is difficulty understanding speech in various settings. The combined results of all the outcome measures used in this research suggest that, when fitted using scientifically based practices, both premium- and basic-feature HAs are capable of providing considerable, but essentially equivalent, improvements to speech understanding and listening effort in daily life for this population. For HA providers to make evidence-based recommendations to their clientele with hearing impairment it is essential that further independent research investigates the relative benefit/deficit of different levels of hearing technology across brands and manufacturers in these and other real-world listening domains.

7 CFR 1951.111 - Salary offset.

Code of Federal Regulations, 2010 CFR

2010-01-01

...; premiums for life and health insurance benefits, and such other deductions required by law to be withheld... overpayments, under withholding of amounts payable for life and health insurance, and any amount owed by former... collect money from Federal employee retirement benefits. For delinquent Farm Loan Programs direct loans...

17 CFR 204.32 - Definitions.

Code of Federal Regulations, 2010 CFR

2010-04-01

... taxes; federal retirement programs; premiums for life and health insurance benefits; and such other... payments made to employees such as overpayment of benefits, salary or other allowances; loans when insured...

26 CFR 1.822-4 - Taxable years affected.

Code of Federal Regulations, 2010 CFR

2010-04-01

...) INCOME TAXES Mutual Insurance Companies (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which Operate on Basis of Perpetual Policies Or Premium Deposits... the Life Insurance Company Tax Act for 1955 (70 Stat. 36). Sections 1.822-8 through 1.822-12 are...

26 CFR 1.821-2 - Taxable years affected.

Code of Federal Regulations, 2010 CFR

2010-04-01

...) INCOME TAXES Mutual Insurance Companies (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which Operate on Basis of Perpetual Policies Or Premium Deposits... Internal Revenue Code of 1954, as amended by the Life Insurance Company Tax Act for 1955 (70 Stat. 36...

Gettysburg College Takes Work-Life Balance Seriously

ERIC Educational Resources Information Center

Wilson, Robin

2009-01-01

This article describes the work-life benefits Gettysburg College offers its employees. 400 of Gettysburg's 725 full-time employees participate in the college's wellness program. About half of them stick with it long enough to earn discounts of up to $500 a year on their health-insurance premiums. The wellness program--which includes free on-campus…

26 CFR 1.826-4 - Allocation of expenses.

Code of Federal Regulations, 2010 CFR

2010-04-01

...) INCOME TAXES Mutual Insurance Companies (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which Operate on Basis of Perpetual Policies Or Premium Deposits...

Patient-centered and visual quality outcomes of premium cataract surgery: a systematic review.

PubMed

Wang, Sophia Y; Stem, Maxwell S; Oren, Gale; Shtein, Roni; Lichter, Paul R

2017-06-26

Over 8 million cataract surgeries are performed in the United States and the European Union annually, with many patients choosing to pay out of pocket for premium options including premium intraocular lens implants (IOLs) or laser-assisted cataract surgery (LACS). This report provides a systematic review evaluating patient-centered and visual quality outcomes comparing standard monofocal IOLs to premium cataract surgery options. PubMed and EMBASE were searched for publications published between January 1, 1980, and September 18, 2016, on multifocal, accommodative, and toric IOLs, monovision, and LACS, which reported on 1) dysphotopsias, 2) contrast sensitivity, 3) spectacle independence, 4) vision-related quality of life or patient satisfaction, and 5) IOL exchange. Multifocal lenses achieved higher rates of spectacle independence compared to monofocal lenses but also had higher reported frequency of dysphotopsia and worse contrast sensitivity, especially with low light or glare. Accommodative lenses were not associated with reduced contrast sensitivity or more dysphotopsia but had only modest improvements in spectacle independence compared to monofocal lenses. Studies of monovision did not target a sufficiently myopic outcome in the near-vision eye to achieve the full potential for spectacle independence. Patients reported high levels of overall satisfaction regardless of implanted IOL. No studies correlated patient-reported outcomes with patient expectations. Studies are needed to thoroughly compare patient-reported outcomes with concomitant patient expectations. In light of the substantial patient costs for premium options, patients and their surgeons will benefit from a better understanding of which surgical options best meet patients' expectations and how those expectations can be impacted by premium versus monofocal-including monovision-options.

26 CFR 1.831-3 - Tax on insurance companies (other than life or mutual), mutual marine insurance companies, mutual...

Code of Federal Regulations, 2014 CFR

2014-04-01

... 26 Internal Revenue 8 2014-04-01 2014-04-01 false Tax on insurance companies (other than life or mutual), mutual marine insurance companies, mutual fire insurance companies issuing perpetual policies, and mutual fire or flood insurance companies operating on the basis of premium deposits; taxable years...

26 CFR 1.831-3 - Tax on insurance companies (other than life or mutual), mutual marine insurance companies, mutual...

Code of Federal Regulations, 2012 CFR

2012-04-01

... 26 Internal Revenue 8 2012-04-01 2012-04-01 false Tax on insurance companies (other than life or mutual), mutual marine insurance companies, mutual fire insurance companies issuing perpetual policies, and mutual fire or flood insurance companies operating on the basis of premium deposits; taxable years...

26 CFR 1.831-3 - Tax on insurance companies (other than life or mutual), mutual marine insurance companies, mutual...

Code of Federal Regulations, 2013 CFR

2013-04-01

... 26 Internal Revenue 8 2013-04-01 2013-04-01 false Tax on insurance companies (other than life or mutual), mutual marine insurance companies, mutual fire insurance companies issuing perpetual policies, and mutual fire or flood insurance companies operating on the basis of premium deposits; taxable years...

26 CFR 1.831-3 - Tax on insurance companies (other than life or mutual), mutual marine insurance companies, mutual...

Code of Federal Regulations, 2011 CFR

2011-04-01

... 26 Internal Revenue 8 2011-04-01 2011-04-01 false Tax on insurance companies (other than life or mutual), mutual marine insurance companies, mutual fire insurance companies issuing perpetual policies, and mutual fire or flood insurance companies operating on the basis of premium deposits; taxable years...

38 CFR 8.11 - Cash value and policy loan.

Code of Federal Regulations, 2011 CFR

2011-07-01

... become effective at the completion of the first policy year on any plan of National Service Life Insurance other than the 5-year level premium term plan. The cash value at the end of the first policy year... SERVICE LIFE INSURANCE Cash Value and Policy Loan § 8.11 Cash value and policy loan. (a) Provisions for...

Medicare Part D: Are Insurers Gaming the Low Income Subsidy Design?

PubMed

Decarolis, Francesco

2015-04-01

This paper shows how in Medicare Part D insurers' gaming of the subsidy paid to low-income enrollees distorts premiums and raises the program cost. Using plan-level data from the first five years of the program, I find multiple instances of pricing strategy distortions for the largest insurers. Instrumental variable estimates indicate that the changes in a concentration index measuring the manipulability of the subsidy can explain a large share of the premium growth observed between 2006 and 2011. Removing this distortion could reduce the cost of the program without worsening consumer welfare.

Does the Shanghai-Hong Kong Stock Connect significantly affect the A-H premium of the stocks?

NASA Astrophysics Data System (ADS)

Hui, Eddie C. M.; Chan, Ka Kwan Kevin

2018-02-01

Since the Shanghai-Hong Kong Stock Connect ("the Connect") was launched in late 2014, more and more Mainland investors have invested in Hong Kong listed shares, and vice versa, increasing the transaction volume of the stock market on both sides. However, only a few studies investigated how the Shanghai-Hong Kong Stock Connect affected the pricing dynamics of stocks listed in both Shanghai and Hong Kong. Applying linear regression, this study investigates how the Connect affects the H-share discounts of 12 stocks cross-listed in Shanghai and Hong Kong. A new feature of our model is that we add a dummy variable so as to be the first study to examine the effect of the China financial crisis on the A-H premium of the stocks. We find that the A-H premium of all stocks widens significantly after the Connect is launched, implying immatureness or even inefficiency of China's financial market. Furthermore, the result shows that trading activities in the mainland market affects the A-H premium more significantly than trading activities in the Hong Kong market do. This implies that China's financial market plays a dominant role in the Connect.

5 CFR Appendix A to Subpart F of... - Recommended Language for Court Orders Dividing Employee Annuities

Code of Federal Regulations, 2011 CFR

2011-01-01

... contain a formula that has the effect of creating other types of annuity, but the court order may only do... reduced only by the amount deducted as premiums for basic life insurance under the Federal Employee Group Life Insurance Program. “[Employee] is (or will be) eligible for retirement benefits under the Civil...

The Patient Protection and Affordable Care Act's provisions regarding medical loss ratios and quality: evidence from Texas.

PubMed

Quast, Troy

2013-01-01

The Patient Protection and Affordable Care Act (PPACA) includes a provision that penalizes insurance companies if their Medical Loss Ratio (MLR) falls below a specified threshold. The MLR is roughly measured as the ratio of health care expenses to premiums paid by enrollees. I investigate whether there is a relationship between MLRs and the quality of care provided by insurance companies. I employ a ten-year sample of market-level financial data and quality variables for Texas insurers, as well as relevant control variables, in regression analyses that utilize insurer and market fixed effects. Of the 15 quality measures, only one has a statistically significant relationship with the MLR. For this measure, the relationship is negative. Although the MLR provision may provide incentives for insurance companies to lower premiums, this sample does not suggest that there is likely to be a beneficial effect on quality.

Taking up or turning down: new estimates of household demand for employer-sponsored health insurance.

PubMed

Abraham, Jean Marie; Feldman, Roger

2010-01-01

This study provides new estimates of demand for employer-sponsored health insurance, using the 1997-2001 linked Household Component-Insurance Component of the Medical Expenditure Panel Survey (MEPS). Our focus is on households' decisions to take up coverage through a worker's employer. We found a significant inverse relationship between the out-of-pocket premium and the probability of taking up coverage, with the price effect considerably larger when we used instrumental variables methods to account for endogenous out-of-pocket premiums. Additionally, workers in families with more children eligible for Medicaid were less likely to take up coverage.

Height conditions salary expectations: Evidence from large-scale data in China

NASA Astrophysics Data System (ADS)

Yang, Xiao; Gao, Jian; Liu, Jin-Hu; Zhou, Tao

2018-07-01

Height premium has been revealed by extensive literature, however, evidence from China based on large-scale data remains still lacking. In this paper, we study how height conditions salary expectations by exploring a dataset covering over 140,000 Chinese job seekers. By using graphical and regression models, we find evidence in support of height premium that tall people expect a significantly higher salary in career development. In particular, regression results suggest stronger effects of height premium on female than on male, however, the gender differences decrease as the education level increases and become insignificant after holding all control variables fixed. Further, results from graphical models suggest three promising ways in helping short people: (i) to accumulate more working experiences, since one year seniority can respectively make up about 3 cm and 7 cm shortness for female and male; (ii) to increase the level of education, since one higher academic degree may eliminate all disadvantages that brought by shortness; (iii) to target jobs in regions with a higher level of development. Our work provides a cross-culture supportive evidence of height premium and contributes two novel features to the literature: the compensation story in helping short people, and the focus on salary expectations in isolation from discrimination channels.

26 CFR 1.79-1 - Group-term life insurance-general rules.

Code of Federal Regulations, 2014 CFR

2014-04-01

... the employee's income is equal to: (D+C)−(PI+DI+AP) where D is the total amount of dividends actually...: PI is the total amount of premium included in the employee's income under paragraph (d)(1) of this...

7 CFR 1767.28 - Customer accounts expenses.

Code of Federal Regulations, 2010 CFR

2010-01-01

... performed by meter readers and the work represents a minor activity incidental to regular meter reading... funds or to insurance companies for pension purposes. 2. Group and life insurance premiums (credit... used, and expenses incurred in work on customer applications, contracts, orders, credit investigations...

Field investigation of high performance pavements in Virginia.

DOT National Transportation Integrated Search

2005-01-01

This study evaluated 18 pavement sections located in high-traffic highways in Virginia to find a premium pavement design with a life span of 40 years or more using current and past field experience. The selected pavement sections were thought to perf...

Experiences obtaining insurance after live kidney donation.

PubMed

Boyarsky, B J; Massie, A B; Alejo, J L; Van Arendonk, K J; Wildonger, S; Garonzik-Wang, J M; Montgomery, R A; Deshpande, N A; Muzaale, A D; Segev, D L

2014-09-01

The impact of kidney donation on the ability to change or initiate health or life insurance following donation is unknown. To quantify this risk, we surveyed 1046 individuals who donated a kidney at our center between 1970 and 2011. Participants were asked whether they changed or initiated health or life insurance after donation, and if they had any difficulty doing so. Among 395 donors who changed or initiated health insurance after donation, 27 (7%) reported difficulty; among those who reported difficulty, 15 were denied altogether, 12 were charged a higher premium and 8 were told they had a preexisting condition because they were kidney donors. Among 186 donors who changed or initiated life insurance after donation, 46 (25%) reported difficulty; among those who reported difficulty, 23 were denied altogether, 27 were charged a higher premium and 17 were told they had a preexisting condition because they were kidney donors. In this single-center study, a high proportion of kidney donors reported difficulty changing or initiating insurance, particularly life insurance. These practices by insurers create unnecessary burden and stress for those choosing to donate and could negatively impact the likelihood of live kidney donation among those considering donation. © Copyright 2014 The American Society of Transplantation and the American Society of Transplant Surgeons.

26 CFR 1.826-7 - Examples.

Code of Federal Regulations, 2011 CFR

2011-04-01

... TAXES (CONTINUED) Mutual Insurance Companies (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which Operate on Basis of Perpetual Policies Or Premium... deduction 4 Underwriting gain 0 Mutual insurance company taxable income 0 Unused loss 22 Credit or refund...

26 CFR 1.826-7 - Examples.

Code of Federal Regulations, 2012 CFR

2012-04-01

... TAXES (CONTINUED) Mutual Insurance Companies (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which Operate on Basis of Perpetual Policies Or Premium... deduction 4 Underwriting gain 0 Mutual insurance company taxable income 0 Unused loss 22 Credit or refund...

26 CFR 1.826-7 - Examples.

Code of Federal Regulations, 2013 CFR

2013-04-01

... TAXES (CONTINUED) Mutual Insurance Companies (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which Operate on Basis of Perpetual Policies Or Premium... deduction 4 Underwriting gain 0 Mutual insurance company taxable income 0 Unused loss 22 Credit or refund...

26 CFR 1.826-7 - Examples.

Code of Federal Regulations, 2014 CFR

2014-04-01

... TAXES (CONTINUED) Mutual Insurance Companies (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which Operate on Basis of Perpetual Policies Or Premium... deduction 4 Underwriting gain 0 Mutual insurance company taxable income 0 Unused loss 22 Credit or refund...

41 CFR 105-56.025 - Definitions.

Code of Federal Regulations, 2010 CFR

2010-07-01

... GSA provides financial support services to the other agency on a reimbursable basis. Financial support... programs, including contributions to the Thrift Savings Plan (TSP); premiums for life (excluding amounts...) Pay means basic pay, special pay, incentive pay, retired pay, retainer pay, or in the case of an...

Putting It Off until Tomorrow.

ERIC Educational Resources Information Center

O'Malley, Michael J.

1991-01-01

Increasingly, districts are using deferred compensation arrangements as part of the superintendent's total compensation package. Superintendents can fund such plans by purchasing tax-deferred annuities or single-premium life insurance policies. The latter seems a better plan for both the school board and the superintendent's family. (MLH)

24 CFR 232.805 - Insurance premiums.

Code of Federal Regulations, 2010 CFR

2010-04-01

... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Insurance premiums. 232.805 Section... FACILITIES Contract Rights and Obligations Premiums § 232.805 Insurance premiums. (a) First premium. The... insurance premium equal to one percent of the original face amount of the note. (b) Second premium. The...

24 CFR 232.805 - Insurance premiums.

Code of Federal Regulations, 2011 CFR

2011-04-01

... 24 Housing and Urban Development 2 2011-04-01 2011-04-01 false Insurance premiums. 232.805 Section... FACILITIES Contract Rights and Obligations Premiums § 232.805 Insurance premiums. (a) First premium. The... insurance premium equal to one percent of the original face amount of the note. (b) Second premium. The...

Estimation model of life insurance claims risk for cancer patients by using Bayesian method

NASA Astrophysics Data System (ADS)

Sukono; Suyudi, M.; Islamiyati, F.; Supian, S.

2017-01-01

This paper discussed the estimation model of the risk of life insurance claims for cancer patients using Bayesian method. To estimate the risk of the claim, the insurance participant data is grouped into two: the number of policies issued and the number of claims incurred. Model estimation is done using a Bayesian approach method. Further, the estimator model was used to estimate the risk value of life insurance claims each age group for each sex. The estimation results indicate that a large risk premium for insured males aged less than 30 years is 0.85; for ages 30 to 40 years is 3:58; for ages 41 to 50 years is 1.71; for ages 51 to 60 years is 2.96; and for those aged over 60 years is 7.82. Meanwhile, for insured women aged less than 30 years was 0:56; for ages 30 to 40 years is 3:21; for ages 41 to 50 years is 0.65; for ages 51 to 60 years is 3:12; and for those aged over 60 years is 9.99. This study is useful in determining the risk premium in homogeneous groups based on gender and age.

26 CFR 1.823-2 - Dividends to policyholders.

Code of Federal Regulations, 2010 CFR

2010-04-01

... (CONTINUED) INCOME TAXES Mutual Insurance Companies (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which Operate on Basis of Perpetual Policies Or... premium deposits returned to policyholders by factory mutual fire insurance companies. The term “paid or...

26 CFR 1.823-5 - Dividends to policyholders.

Code of Federal Regulations, 2014 CFR

2014-04-01

... (CONTINUED) INCOME TAXES (CONTINUED) Mutual Insurance Companies (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which Operate on Basis of Perpetual Policies Or... premium deposits returned to policyholders by factory mutual fire insurance companies. The term “paid or...

26 CFR 1.823-2 - Dividends to policyholders.

Code of Federal Regulations, 2013 CFR

2013-04-01

... (CONTINUED) INCOME TAXES (CONTINUED) Mutual Insurance Companies (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which Operate on Basis of Perpetual Policies Or... premium deposits returned to policyholders by factory mutual fire insurance companies. The term “paid or...

26 CFR 1.823-2 - Dividends to policyholders.

Code of Federal Regulations, 2012 CFR

2012-04-01

... (CONTINUED) INCOME TAXES (CONTINUED) Mutual Insurance Companies (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which Operate on Basis of Perpetual Policies Or... premium deposits returned to policyholders by factory mutual fire insurance companies. The term “paid or...

26 CFR 1.823-2 - Dividends to policyholders.

Code of Federal Regulations, 2014 CFR

2014-04-01

... (CONTINUED) INCOME TAXES (CONTINUED) Mutual Insurance Companies (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which Operate on Basis of Perpetual Policies Or... premium deposits returned to policyholders by factory mutual fire insurance companies. The term “paid or...

26 CFR 1.825-3 - Examples.

Code of Federal Regulations, 2012 CFR

2012-04-01

... TAXES (CONTINUED) Mutual Insurance Companies (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which Operate on Basis of Perpetual Policies Or Premium...: Example 1. For the taxable year 1967, F, a mutual insurance company subject to the tax imposed by section...

26 CFR 1.823-5 - Dividends to policyholders.

Code of Federal Regulations, 2013 CFR

2013-04-01

... (CONTINUED) INCOME TAXES (CONTINUED) Mutual Insurance Companies (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which Operate on Basis of Perpetual Policies Or... premium deposits returned to policyholders by factory mutual fire insurance companies. The term “paid or...

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.…

26 CFR 1.823-2 - Dividends to policyholders.

Code of Federal Regulations, 2011 CFR

2011-04-01

... (CONTINUED) INCOME TAXES (CONTINUED) Mutual Insurance Companies (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which Operate on Basis of Perpetual Policies Or... premium deposits returned to policyholders by factory mutual fire insurance companies. The term “paid or...

26 CFR 1.825-3 - Examples.

Code of Federal Regulations, 2014 CFR

2014-04-01

... TAXES (CONTINUED) Mutual Insurance Companies (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which Operate on Basis of Perpetual Policies Or Premium...: Example 1. For the taxable year 1967, F, a mutual insurance company subject to the tax imposed by section...

26 CFR 1.823-5 - Dividends to policyholders.

Code of Federal Regulations, 2010 CFR

2010-04-01

... (CONTINUED) INCOME TAXES Mutual Insurance Companies (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which Operate on Basis of Perpetual Policies Or... premium deposits returned to policyholders by factory mutual fire insurance companies. The term “paid or...

26 CFR 1.825-3 - Examples.

Code of Federal Regulations, 2013 CFR

2013-04-01

... TAXES (CONTINUED) Mutual Insurance Companies (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which Operate on Basis of Perpetual Policies Or Premium...: Example 1. For the taxable year 1967, F, a mutual insurance company subject to the tax imposed by section...

26 CFR 1.823-5 - Dividends to policyholders.

Code of Federal Regulations, 2012 CFR

2012-04-01

... (CONTINUED) INCOME TAXES (CONTINUED) Mutual Insurance Companies (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which Operate on Basis of Perpetual Policies Or... premium deposits returned to policyholders by factory mutual fire insurance companies. The term “paid or...

26 CFR 1.823-5 - Dividends to policyholders.

Code of Federal Regulations, 2011 CFR

2011-04-01

... (CONTINUED) INCOME TAXES (CONTINUED) Mutual Insurance Companies (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which Operate on Basis of Perpetual Policies Or... premium deposits returned to policyholders by factory mutual fire insurance companies. The term “paid or...

26 CFR 1.825-3 - Examples.

Code of Federal Regulations, 2011 CFR

2011-04-01

... TAXES (CONTINUED) Mutual Insurance Companies (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which Operate on Basis of Perpetual Policies Or Premium...: Example 1. For the taxable year 1967, F, a mutual insurance company subject to the tax imposed by section...

29 CFR 4006.4 - Determination of unfunded vested benefits.

Code of Federal Regulations, 2011 CFR

2011-07-01

... target under § 4006.5(g) is in effect, its alternative premium funding target under § 4006.5(g). (2... the premium payment year is the excess (if any) of the plan's premium funding target for the premium...) Premium funding target—(1) In general. A plan's premium funding target is its standard premium funding...

29 CFR 4006.4 - Determination of unfunded vested benefits.

Code of Federal Regulations, 2010 CFR

2010-07-01

... target under § 4006.5(g) is in effect, its alternative premium funding target under § 4006.5(g). (2... the premium payment year is the excess (if any) of the plan's premium funding target for the premium...) Premium funding target—(1) In general. A plan's premium funding target is its standard premium funding...

29 CFR 4006.4 - Determination of unfunded vested benefits.

Code of Federal Regulations, 2012 CFR

2012-07-01

... target under § 4006.5(g) is in effect, its alternative premium funding target under § 4006.5(g). (2... the premium payment year is the excess (if any) of the plan's premium funding target for the premium...) Premium funding target—(1) In general. A plan's premium funding target is its standard premium funding...

14 CFR 198.13 - Premium insurance-payment of premiums.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 14 Aeronautics and Space 3 2010-01-01 2010-01-01 false Premium insurance-payment of premiums. 198... (CONTINUED) WAR RISK INSURANCE AVIATION INSURANCE § 198.13 Premium insurance—payment of premiums. The insured must pay the premium for insurance issued under this part within the stated period after receipt of...

24 CFR 241.805 - Insurance premiums.

Code of Federal Regulations, 2010 CFR

2010-04-01

... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Insurance premiums. 241.805 Section... Without a HUD-Insured or HUD-Held Mortgage Premiums § 241.805 Insurance premiums. (a) First premium. The... insurance premium equal to one percent of the original face amount of the note. (b) Second premium. The...

14 CFR 198.13 - Premium insurance-payment of premiums.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 14 Aeronautics and Space 3 2011-01-01 2011-01-01 false Premium insurance-payment of premiums. 198... (CONTINUED) WAR RISK INSURANCE AVIATION INSURANCE § 198.13 Premium insurance—payment of premiums. The insured must pay the premium for insurance issued under this part within the stated period after receipt of...

24 CFR 241.805 - Insurance premiums.

Code of Federal Regulations, 2011 CFR

2011-04-01

... 24 Housing and Urban Development 2 2011-04-01 2011-04-01 false Insurance premiums. 241.805 Section... Without a HUD-Insured or HUD-Held Mortgage Premiums § 241.805 Insurance premiums. (a) First premium. The... insurance premium equal to one percent of the original face amount of the note. (b) Second premium. The...

42 CFR 403.254 - Calculation of premiums.

Code of Federal Regulations, 2010 CFR

2010-10-01

... rate credits. (4) Unearned premium reserve means the portion of gross premiums due that provide for...) Written premiums for the period; plus— (ii) The total premium reserve at the beginning of the period; less— (iii) The total premium reserve at the end of the period. (2) Written premiums in a period means— (i...

Height premium for job performance.

PubMed

Kim, Tae Hyun; Han, Euna

2017-08-01

This study assessed the relationship of height with wages, using the 1998 and 2012 Korean Labor and Income Panel Study data. The key independent variable was height measured in centimeters, which was included as a series of dummy indicators of height per 5cm span (<155cm, 155-160cm, 160-165cm, and ≥165cm for women; <165cm, 165-170cm, 170-175cm, 175-180cm, and ≥180cm for men). We controlled for household- and individual-level random effects. We used a random-effect quantile regression model for monthly wages to assess the heterogeneity in the height-wage relationship, across the conditional distribution of monthly wages. We found a non-linear relationship of height with monthly wages. For men, the magnitude of the height wage premium was overall larger at the upper quantile of the conditional distribution of log monthly wages than at the median to low quantile, particularly in professional and semi-professional occupations. The height-wage premium was also larger at the 90th quantile for self-employed women and salaried men. Our findings add a global dimension to the existing evidence on height-wage premium, demonstrating non-linearity in the association between height and wages and heterogeneous changes in the dispersion and direction of the association between height and wages, by wage level. Copyright © 2017 Elsevier B.V. All rights reserved.

26 CFR 1.822-7 - Amortization of premium and accrual of discount.

Code of Federal Regulations, 2013 CFR

2013-04-01

... (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES (CONTINUED) Mutual Insurance Companies (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which Operate on Basis... indebtedness held by a mutual insurance company subject to the tax imposed by section 821. Such amortization...

26 CFR 1.822-7 - Amortization of premium and accrual of discount.

Code of Federal Regulations, 2011 CFR

2011-04-01

... (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES (CONTINUED) Mutual Insurance Companies (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which Operate on Basis... indebtedness held by a mutual insurance company subject to the tax imposed by section 821. Such amortization...

26 CFR 1.822-7 - Amortization of premium and accrual of discount.

Code of Federal Regulations, 2010 CFR

2010-04-01

... (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES Mutual Insurance Companies (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which Operate on Basis of... held by a mutual insurance company subject to the tax imposed by section 821. Such amortization and...

26 CFR 1.822-3 - Amortization of premium and accrual of discount.

Code of Federal Regulations, 2011 CFR

2011-04-01

... (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES (CONTINUED) Mutual Insurance Companies (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which Operate on Basis... indebtedness held by a mutual insurance company subject to the tax imposed by section 821. Such amortization...

26 CFR 1.822-7 - Amortization of premium and accrual of discount.

Code of Federal Regulations, 2014 CFR

2014-04-01

... (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES (CONTINUED) Mutual Insurance Companies (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which Operate on Basis... indebtedness held by a mutual insurance company subject to the tax imposed by section 821. Such amortization...

26 CFR 1.822-3 - Amortization of premium and accrual of discount.

Code of Federal Regulations, 2012 CFR

2012-04-01

... (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES (CONTINUED) Mutual Insurance Companies (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which Operate on Basis... indebtedness held by a mutual insurance company subject to the tax imposed by section 821. Such amortization...

26 CFR 1.822-7 - Amortization of premium and accrual of discount.

Code of Federal Regulations, 2012 CFR

2012-04-01

... (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES (CONTINUED) Mutual Insurance Companies (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which Operate on Basis... indebtedness held by a mutual insurance company subject to the tax imposed by section 821. Such amortization...

26 CFR 1.822-3 - Amortization of premium and accrual of discount.

Code of Federal Regulations, 2013 CFR

2013-04-01

... (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES (CONTINUED) Mutual Insurance Companies (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which Operate on Basis... indebtedness held by a mutual insurance company subject to the tax imposed by section 821. Such amortization...

26 CFR 1.822-3 - Amortization of premium and accrual of discount.

Code of Federal Regulations, 2010 CFR

2010-04-01

... (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES Mutual Insurance Companies (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which Operate on Basis of... held by a mutual insurance company subject to the tax imposed by section 821. Such amortization and...

26 CFR 1.822-3 - Amortization of premium and accrual of discount.

Code of Federal Regulations, 2014 CFR

2014-04-01

... (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES (CONTINUED) Mutual Insurance Companies (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which Operate on Basis... indebtedness held by a mutual insurance company subject to the tax imposed by section 821. Such amortization...

26 CFR 1.825-3 - Examples.

Code of Federal Regulations, 2010 CFR

2010-04-01

... TAXES Mutual Insurance Companies (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which Operate on Basis of Perpetual Policies Or Premium Deposits) § 1.... For the taxable year 1967, F, a mutual insurance company subject to the tax imposed by section 821(a...

Employee Health and Optional Benefits | Alaska Division of Retirement and

Science.gov Websites

Categories Health Information Life Disability DCAP Forms/Publications Features Empower Retirement Account RIN DRB Home Retirement Benefits Employer Services AlaskaCare Easy Navigation Employee Health Gym Discount Health Plan FAQs Overview What Plan am I in? Information Enrollment Information FAQs Premiums

Employee Health Plan Details | Alaska Division of Retirement and Benefits

Science.gov Websites

Health Information Life Disability DCAP Forms/Publications Features Empower Retirement Account Info Home Retirement Benefits Employer Services AlaskaCare Easy Navigation Employee Health Gym Discount Health Plan FAQs Overview What Plan am I in? Information Enrollment Information FAQs Premiums Qualified

31 CFR 285.1 - Collection of past-due support by administrative offset.

Code of Federal Regulations, 2010 CFR

2010-07-01

... the designee of the Secretary of the Treasury for all matters concerning this section, unless... of the Black Lung Benefits Act; (iv) Any law administered by the Railroad Retirement Board; (2... for supplementary coverage; and (v) Amounts deducted as normal life insurance premiums not including...

5 CFR 2640.203 - Miscellaneous exemptions.

Code of Federal Regulations, 2014 CFR

2014-01-01

... employee (SGE) member of an advisory committee convened by the National Science Foundation is a full-time... promotion of her general partner to the next grade. Example 3: An engineer employed by the National Science... a mutual insurance company which he takes in the form of reduced premiums on his life insurance...

7 CFR 1767.41 - Accounting methods and procedures required of all RUS borrowers.

Code of Federal Regulations, 2014 CFR

2014-01-01

... Premium on Life of a Borrower Employee 606 Pension Costs 607 Unproductive Time 608 Training Costs... 612 Special Power Cost Study 613 Mapping Costs 614 Member Relations Costs 615 Statewide Fees 616 Power... Benefits 628 Postretirement Benefits 627 Power Cost Study 612 Power Supply/Distribution Cooperative...

7 CFR 1767.41 - Accounting methods and procedures required of all RUS borrowers.

Code of Federal Regulations, 2013 CFR

2013-01-01

... Premium on Life of a Borrower Employee 606 Pension Costs 607 Unproductive Time 608 Training Costs... 612 Special Power Cost Study 613 Mapping Costs 614 Member Relations Costs 615 Statewide Fees 616 Power... Benefits 628 Postretirement Benefits 627 Power Cost Study 612 Power Supply/Distribution Cooperative...

7 CFR 1767.41 - Accounting methods and procedures required of all RUS borrowers.

Code of Federal Regulations, 2011 CFR

2011-01-01

... Premium on Life of a Borrower Employee 606 Pension Costs 607 Unproductive Time 608 Training Costs... 612 Special Power Cost Study 613 Mapping Costs 614 Member Relations Costs 615 Statewide Fees 616 Power... Benefits 628 Postretirement Benefits 627 Power Cost Study 612 Power Supply/Distribution Cooperative...

76 FR 57082 - Premium Penalty Relief; Alternative Premium Funding Target Election Relief

Federal Register 2010, 2011, 2012, 2013, 2014

2011-09-15

... PENSION BENEFIT GUARANTY CORPORATION Premium Penalty Relief; Alternative Premium Funding Target... situations involving alternative premium funding target elections. FOR FURTHER INFORMATION CONTACT: Catherine...; Alternative Premium Funding Target Elections; Box 5 Relief).\\1\\ \\1\\ http://www.pbgc.gov/res/other-guidance/tu...

14 CFR 198.13 - Premium insurance-payment of premiums.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 14 Aeronautics and Space 3 2012-01-01 2012-01-01 false Premium insurance-payment of premiums. 198.13 Section 198.13 Aeronautics and Space FEDERAL AVIATION ADMINISTRATION, DEPARTMENT OF TRANSPORTATION (CONTINUED) WAR RISK INSURANCE AVIATION INSURANCE § 198.13 Premium insurance—payment of premiums. The insured...

Car Ownership and Welfare-to-Work

ERIC Educational Resources Information Center

Ong, Paul M.

2002-01-01

This study examines the role of car ownership in facilitating employment among recipients under the current welfare-to-work law. Because of a potential problem with simultaneity, the analysis uses predicted car ownership constructed from two instrumental variables, insurance premiums and population density for car ownership. The data come from a…

26 CFR 1.822-10 - Amortization of premium and accrual of discount.

Code of Federal Regulations, 2013 CFR

2013-04-01

... (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES (CONTINUED) Mutual Insurance Companies (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which Operate on Basis... indebtedness held by a mutual insurance company subject to the tax imposed by section 821 (a) or (c). However...

26 CFR 1.822-10 - Amortization of premium and accrual of discount.

Code of Federal Regulations, 2014 CFR

2014-04-01

... (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES (CONTINUED) Mutual Insurance Companies (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which Operate on Basis... indebtedness held by a mutual insurance company subject to the tax imposed by section 821 (a) or (c). However...

26 CFR 1.823-3 - Taxable years affected.

Code of Federal Regulations, 2010 CFR

2010-04-01

...) INCOME TAXES Mutual Insurance Companies (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which Operate on Basis of Perpetual Policies Or Premium Deposits... Insurance Company Tax Act for 1955 (70 Stat. 36). Sections 1.823-6 through 1.823-8 are applicable only to...

26 CFR 1.822-10 - Amortization of premium and accrual of discount.

Code of Federal Regulations, 2010 CFR

2010-04-01

... (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES Mutual Insurance Companies (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which Operate on Basis of... mutual insurance company subject to the tax imposed by section 821 (a) or (c). However, only the accrual...

26 CFR 1.822-10 - Amortization of premium and accrual of discount.

Code of Federal Regulations, 2011 CFR

2011-04-01

... (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES (CONTINUED) Mutual Insurance Companies (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which Operate on Basis... indebtedness held by a mutual insurance company subject to the tax imposed by section 821 (a) or (c). However...

26 CFR 1.822-10 - Amortization of premium and accrual of discount.

Code of Federal Regulations, 2012 CFR

2012-04-01

... (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES (CONTINUED) Mutual Insurance Companies (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which Operate on Basis... indebtedness held by a mutual insurance company subject to the tax imposed by section 821 (a) or (c). However...

38 CFR 8.8 - Health requirements.

Code of Federal Regulations, 2010 CFR

2010-07-01

... 38 Pensions, Bonuses, and Veterans' Relief 1 2010-07-01 2010-07-01 false Health requirements. 8.8... INSURANCE Reinstatement § 8.8 Health requirements. National Service life insurance on any plan may be... month for which the unpaid premium was due, provided the applicant be in as good health on the date of...

38 CFR 8.8 - Health requirements.

Code of Federal Regulations, 2011 CFR

2011-07-01

... 38 Pensions, Bonuses, and Veterans' Relief 1 2011-07-01 2011-07-01 false Health requirements. 8.8... INSURANCE Reinstatement § 8.8 Health requirements. National Service life insurance on any plan may be... month for which the unpaid premium was due, provided the applicant be in as good health on the date of...

38 CFR 8.8 - Health requirements.

Code of Federal Regulations, 2012 CFR

2012-07-01

... 38 Pensions, Bonuses, and Veterans' Relief 1 2012-07-01 2012-07-01 false Health requirements. 8.8... INSURANCE Reinstatement § 8.8 Health requirements. National Service life insurance on any plan may be... month for which the unpaid premium was due, provided the applicant be in as good health on the date of...

38 CFR 8.8 - Health requirements.

Code of Federal Regulations, 2013 CFR

2013-07-01

... 38 Pensions, Bonuses, and Veterans' Relief 1 2013-07-01 2013-07-01 false Health requirements. 8.8... INSURANCE Reinstatement § 8.8 Health requirements. National Service life insurance on any plan may be... month for which the unpaid premium was due, provided the applicant be in as good health on the date of...

38 CFR 8.8 - Health requirements.

Code of Federal Regulations, 2014 CFR

2014-07-01

... 38 Pensions, Bonuses, and Veterans' Relief 1 2014-07-01 2014-07-01 false Health requirements. 8.8... INSURANCE Reinstatement § 8.8 Health requirements. National Service life insurance on any plan may be... month for which the unpaid premium was due, provided the applicant be in as good health on the date of...

26 CFR 31.3406-0 - Outline of the backup withholding regulations.

Code of Federal Regulations, 2010 CFR

2010-04-01

... exchanges and gross proceeds of sales of securities or commodities by brokers. (a) Transactions subject to... filing a joint return. (1) In general. (2) Exceptions. (i) [Reserved.] (j) Penalties. § 31.3406(d... whether a person is described in paragraph (a)(1) of this section. (c) Prepaid or advance premium life...

Live to 70 Years and Older or Suffer in Silence: Understanding Health Insurance Status Among the Elderly Under the NHIS in Ghana.

PubMed

Fenny, Ama P

2017-01-01

Ghana has introduced a National Health Insurance Scheme (NHIS). Embedded in the NHIS is a policy to exempt poor and vulnerable groups from premiums and user fees. There has been some debate as to why the start-off age for exemption among the elderly is 70 years. Ghana has a shorter life expectancy than middle- and high-income countries and its current age of retirement is 60 years. This study explores the financial and social implications of continuing to charge premiums to people aged 60 to 69 years. Based on the analysis of data from a representative household survey, it is recommended that the exemption policy should be expanded to include all vulnerable elderly persons, regardless of age.

Optimization of Composition and Heat Treating of Die Steels for Extended Lifetime

DOE Office of Scientific and Technical Information (OSTI.GOV)

David Schwam; John F. Wallace; Quanyou Zhou

2002-01-30

An ''average'' die casting die costs fifty thousand dollars. A die used in making die cast aluminum engine blocks can cost well over one million dollars. These costs provide a strong incentive for extension of die life. While vacuum quenched Premium Grade H13 dies have become the most widely used in the United States, tool makers and die casters are constantly searching for new steels and heat treating procedures to extend die life. This project was undertaken to investigate the effects of composition and heat treating on die life and optimize these parameters.

Transitions from private to public health coverage among children: estimating effects on out-of-pocket medical costs and health insurance premium costs.

PubMed

Shaefer, H Luke; Grogan, Colleen M; Pollack, Harold A

2011-06-01

To assess the effects of transitions from private to public health insurance by children on out-of-pocket medical expenditures and health insurance premium costs. Data are drawn from the 1996 and 2001 panels of the Survey of Income and Program Participation. We construct a nationally representative, longitudinal sample of children, ages 0-18, and their families for the period 1998-2003, a period in which states raised public health insurance eligibility rates for children. We exploit the Survey of Income and Program Participation's longitudinal design to identify children in our sample who transition from private to public health insurance. We then use a bootstrapped instrumental variable approach to estimate the effects of these transitions on out-of-pocket expenditures and health insurance premium costs. Children who transition from private to public coverage are relatively low-income, are disproportionately likely to live in single-mother households, and are more likely to be Black or of Hispanic origin. Child health status is highly predictive of transitions. We estimate that these transitions provide a cash-equivalent transfer of nearly U.S.$1,500 annually for families in the form of reduced out-of-pocket and health insurance premium costs. Transitions from private to public health coverage by children can bring important social benefits to vulnerable families. This suggests that instead of being a net societal cost, such transitions may provide an important social benefit. © Health Research and Educational Trust.

Cost-effectiveness analysis of alternative factor VIII products in treatment of haemophilia A.

PubMed

Hay, J W; Ernst, R L; Kessler, C M

1999-05-01

Manufactured factor VIII (FVIII) concentrates of varying purity are available for managing patients with haemophilia A. This study is a cost-effectiveness analysis of ultra-high purity and recombinant (UHP/R) FVIII products relative to intermediate and very-high purity (IP/VHP) preparations. Because the societal (including research and development) costs of FVIII products are unknown and product prices vary with market conditions, we conducted the analysis with treatment cost as a variable quantity. We estimated the largest price premium that could be paid for a UHP/R concentrate relative to an IP/VHP concentrate such that the UHP/R product is the more cost-effective preparation. In the analysis haemophilic patients were assumed to be seropositive for human immunodeficiency virus, seropositive for hepatitis C (HCV), or at risk for seroconversion of hepatitis A (HAV) or hepatitis B (HBV). The results showed that the maximum cost-effective UHP/R price premium is essentially zero if the patient is only at risk of HAV or HBV infection, positive but small for the base-case HCV+ patient, and positive and large for the base-case HIV+ patient having a short life expectancy. Thus UHP/R preparations are not uniformly more cost-effective than IP/VHP products across the spectrum of haemophilic patients' health problems, and the relative cost-effectiveness of the two classes of prepared FVIII products is sensitive to product prices. The methodology employed here can be used in other circumstances where multiple treatments exist for illnesses for which there are significant multiple comorbidities or health risks.

42 CFR 408.210 - Termination of SMI premium surcharge agreement.

Code of Federal Regulations, 2010 CFR

2010-10-01

... HUMAN SERVICES MEDICARE PROGRAM PREMIUMS FOR SUPPLEMENTARY MEDICAL INSURANCE Supplementary Medical Insurance Premium Surcharge Agreements § 408.210 Termination of SMI premium surcharge agreement. (a... 42 Public Health 2 2010-10-01 2010-10-01 false Termination of SMI premium surcharge agreement. 408...

42 CFR 408.210 - Termination of SMI premium surcharge agreement.

Code of Federal Regulations, 2011 CFR

2011-10-01

... HUMAN SERVICES MEDICARE PROGRAM PREMIUMS FOR SUPPLEMENTARY MEDICAL INSURANCE Supplementary Medical Insurance Premium Surcharge Agreements § 408.210 Termination of SMI premium surcharge agreement. (a... 42 Public Health 2 2011-10-01 2011-10-01 false Termination of SMI premium surcharge agreement. 408...

24 CFR 266.600 - Mortgage insurance premium: Insurance upon completion.

Code of Federal Regulations, 2010 CFR

2010-04-01

... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Mortgage insurance premium... MULTIFAMILY PROJECT LOANS Contract Rights and Obligations Mortgage Insurance Premiums § 266.600 Mortgage insurance premium: Insurance upon completion. (a) Initial premium. For projects insured upon completion, on...

24 CFR 266.600 - Mortgage insurance premium: Insurance upon completion.

Code of Federal Regulations, 2011 CFR

2011-04-01

... 24 Housing and Urban Development 2 2011-04-01 2011-04-01 false Mortgage insurance premium... MULTIFAMILY PROJECT LOANS Contract Rights and Obligations Mortgage Insurance Premiums § 266.600 Mortgage insurance premium: Insurance upon completion. (a) Initial premium. For projects insured upon completion, on...

7 CFR 400.170 - General qualifications.

Code of Federal Regulations, 2010 CFR

2010-01-01

...) Have and meet the ratio requirements of the Gross Premium to Surplus and Net Premium to Surplus...) Gross Premium to Surplus Less than 900%. (ii) Net Premium to Surplus Less than 300%. (2) Analytical: (i... estimated retained premium proposed to be reinsured, multiplied by the appropriate Minimum Surplus Factor...

Assessing potential enrollment and budgetary effects of SCHIP premiums: findings from Arizona and Kentucky.

PubMed

Kenney, Genevieve; Marton, James; McFeeters, Joshua; Costich, Julia

2007-12-01

To assess whether new premiums in SCHIP affect rates of disenrollment and reenrollment in SCHIP and whether they have spillover enrollment effects on Medicaid. We used SCHIP administrative enrollment data from Arizona and Kentucky. The enrollment data covered July 2001 to December 2005 in Arizona and November 2001 to August 2004 in Kentucky. We used administrative data from two states, Arizona and Kentucky, which introduced new premiums for certain income categories in their SCHIP programs in 2004 and 2003, respectively. We used multivariate hazard models to study rates of disenrollment and re-enrollment for the recipients who had been enrolled in the categories of SCHIP in which the new premiums were implemented. Competing hazard models were used to determine if recipients leaving SCHIP following the introduction of the premium were obtaining other public coverage or exiting public insurance entirely at higher rates. We also used time-series models to measure the effect of premiums on changes in caseloads in premium-paying SCHIP and other categories of public coverage and we assessed the budgetary implications of imposing premiums. In both states, the new premiums increased the rate of disenrollment and decreased the rate of re-enrollment in premium-paying SCHIP among the children who were enrolled in those categories before the premiums were implemented. The competing hazard models indicated that almost all of the increased disenrollment is caused by recipients leaving public insurance entirely. The time-series models indicated that the new premium reduced caseloads in premium-paying SCHIP, but that it might have increased caseloads for other types of public coverage. The amount of premiums collected net of the costs associated with administering premiums is small in both states. Estimating the full budgetary effects with certainty was not possible given the imprecision of the key time-series estimates. These results suggest that the new premium reduced enrollment in the premium-paying group by 18 percent (over 3,000 children) in Kentucky and by 5 percent (over 1,000 children) in Arizona, with some of these children apparently leaving public coverage altogether. While most children enrolled in these categories did not appear to be directly affected by the imposition of $10-$20 monthly premiums, the premiums may have caused some children to go without health insurance coverage, which in turn could have adverse effects on their access to care. Imposing nominal premiums may reduce state spending, but projected savings appear to be small relative to total state SCHIP spending and resulting increases in enrollment in other public programs and in uninsurance rates could offset those savings.

75 FR 62184 - Notification of United States Mint Silver Eagle Bullion Coin Premium Increase

Federal Register 2010, 2011, 2012, 2013, 2014

2010-10-07

... Bullion Coin Premium Increase ACTION: Notification of United States Mint Silver Eagle Bullion Coin Premium Increase. SUMMARY: The United States Mint is increasing the premium charged to Authorized Purchasers for... will increase the premium charged to Authorized Purchasers for American Eagle Silver Bullion Coins...

29 CFR 4006.3 - Premium rate.

Code of Federal Regulations, 2013 CFR

2013-07-01

... 29 Labor 9 2013-07-01 2013-07-01 false Premium rate. 4006.3 Section 4006.3 Labor Regulations Relating to Labor (Continued) PENSION BENEFIT GUARANTY CORPORATION PREMIUMS PREMIUM RATES § 4006.3 Premium rate. Subject to the provisions of § 4006.5 (dealing with exemptions and special rules) and § 4006.7...

29 CFR 4006.3 - Premium rate.

Code of Federal Regulations, 2010 CFR

2010-07-01

... 29 Labor 9 2010-07-01 2010-07-01 false Premium rate. 4006.3 Section 4006.3 Labor Regulations Relating to Labor (Continued) PENSION BENEFIT GUARANTY CORPORATION PREMIUMS PREMIUM RATES § 4006.3 Premium rate. Subject to the provisions of § 4006.5 (dealing with exemptions and special rules) and § 4006.7...

29 CFR 4006.3 - Premium rate.

Code of Federal Regulations, 2012 CFR

2012-07-01

... 29 Labor 9 2012-07-01 2012-07-01 false Premium rate. 4006.3 Section 4006.3 Labor Regulations Relating to Labor (Continued) PENSION BENEFIT GUARANTY CORPORATION PREMIUMS PREMIUM RATES § 4006.3 Premium rate. Subject to the provisions of § 4006.5 (dealing with exemptions and special rules) and § 4006.7...

29 CFR 4006.3 - Premium rate.

Code of Federal Regulations, 2011 CFR

2011-07-01

... 29 Labor 9 2011-07-01 2011-07-01 false Premium rate. 4006.3 Section 4006.3 Labor Regulations Relating to Labor (Continued) PENSION BENEFIT GUARANTY CORPORATION PREMIUMS PREMIUM RATES § 4006.3 Premium rate. Subject to the provisions of § 4006.5 (dealing with exemptions and special rules) and § 4006.7...

29 CFR 4006.3 - Premium rate.

Code of Federal Regulations, 2014 CFR

2014-07-01

... 29 Labor 9 2014-07-01 2014-07-01 false Premium rate. 4006.3 Section 4006.3 Labor Regulations Relating to Labor (Continued) PENSION BENEFIT GUARANTY CORPORATION PREMIUMS PREMIUM RATES § 4006.3 Premium rate. Subject to the provisions of § 4006.5 (dealing with exemptions and special rules) and § 4006.7...

24 CFR 266.604 - Mortgage insurance premium: Other requirements.

Code of Federal Regulations, 2010 CFR

2010-04-01

... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Mortgage insurance premium: Other... Contract Rights and Obligations Mortgage Insurance Premiums § 266.604 Mortgage insurance premium: Other..., based upon the respective share of risk, that is to be used in calculating mortgage insurance premiums...

24 CFR 266.602 - Mortgage insurance premium: Insured advances.

Code of Federal Regulations, 2010 CFR

2010-04-01

... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Mortgage insurance premium: Insured... Contract Rights and Obligations Mortgage Insurance Premiums § 266.602 Mortgage insurance premium: Insured.... On each anniversary of the initial closing, the HFA shall pay an interim mortgage insurance premium...

31 CFR 337.13 - Payment of mortgage insurance premiums.

Code of Federal Regulations, 2011 CFR

2011-07-01

... 31 Money and Finance:Treasury 2 2011-07-01 2011-07-01 false Payment of mortgage insurance premiums... premiums. When book-entry debentures are being purchased prior to maturity to pay for mortgage insurance premiums, the difference between the amount of the debentures purchased and the mortgage insurance premiums...

24 CFR 266.602 - Mortgage insurance premium: Insured advances.

Code of Federal Regulations, 2011 CFR

2011-04-01

... 24 Housing and Urban Development 2 2011-04-01 2011-04-01 false Mortgage insurance premium: Insured... Contract Rights and Obligations Mortgage Insurance Premiums § 266.602 Mortgage insurance premium: Insured.... On each anniversary of the initial closing, the HFA shall pay an interim mortgage insurance premium...

24 CFR 266.604 - Mortgage insurance premium: Other requirements.

Code of Federal Regulations, 2011 CFR

2011-04-01

... 24 Housing and Urban Development 2 2011-04-01 2011-04-01 false Mortgage insurance premium: Other... Contract Rights and Obligations Mortgage Insurance Premiums § 266.604 Mortgage insurance premium: Other..., based upon the respective share of risk, that is to be used in calculating mortgage insurance premiums...

34 CFR 682.505 - Insurance premium.

Code of Federal Regulations, 2011 CFR

2011-07-01

... 34 Education 4 2011-07-01 2011-07-01 false Insurance premium. 682.505 Section 682.505 Education... Loan Programs § 682.505 Insurance premium. (a) General. The Secretary charges the lender an insurance premium for each Federal GSL Program loan that is guaranteed, except that no insurance premium is charged...

The Pupil Premium: Next Steps

ERIC Educational Resources Information Center

Sutton Trust, 2015

2015-01-01

The pupil premium was introduced by the Coalition government in April 2011 to provide additional funding for disadvantaged pupils. The main difference between the premium and previous funding for disadvantaged pupils is that the premium is linked to individual pupils. On July 1, 2015, The Pupil Premium Summit organized by the Education Endowment…

28 CFR 345.52 - Premium pay.

Code of Federal Regulations, 2010 CFR

2010-07-01

... 28 Judicial Administration 2 2010-07-01 2010-07-01 false Premium pay. 345.52 Section 345.52... (FPI) INMATE WORK PROGRAMS Inmate Pay and Benefits § 345.52 Premium pay. Payment of premium pay to... inmates at a location. (a) Eligibility. Inmates in first grade pay status may be considered for premium...

Plan choice, health insurance cost and premium sharing.

PubMed

Kosteas, Vasilios D; Renna, Francesco

2014-05-01

We develop a model of premium sharing for firms that offer multiple insurance plans. We assume that firms offer one low quality plan and one high quality plan. Under the assumption of wage rigidities we found that the employee's contribution to each plan is an increasing function of that plan's premium. The effect of the other plan's premium is ambiguous. We test our hypothesis using data from the Employer Health Benefit Survey. Restricting the analysis to firms that offer both HMO and PPO plans, we measure the amount of the premium passed on to employees in response to a change in both premiums. We find evidence of large and positive effects of the increase in the plan's premium on the amount of the premium passed on to employees. The effect of the alternative plan's premium is negative but statistically significant only for the PPO plans. Copyright © 2014 Elsevier B.V. All rights reserved.

38 CFR 6.1 - Misstatement of age.

Code of Federal Regulations, 2010 CFR

2010-07-01

... 38 Pensions, Bonuses, and Veterans' Relief 1 2010-07-01 2010-07-01 false Misstatement of age. 6.1... GOVERNMENT LIFE INSURANCE Age § 6.1 Misstatement of age. If the age of the insured under a United States... shall be such exact amount as the premium paid would have purchased at the correct age; if overstated...

38 CFR 6.1 - Misstatement of age.

Code of Federal Regulations, 2014 CFR

2014-07-01

... 38 Pensions, Bonuses, and Veterans' Relief 1 2014-07-01 2014-07-01 false Misstatement of age. 6.1... GOVERNMENT LIFE INSURANCE Age § 6.1 Misstatement of age. If the age of the insured under a United States... shall be such exact amount as the premium paid would have purchased at the correct age; if overstated...

38 CFR 6.1 - Misstatement of age.

Code of Federal Regulations, 2013 CFR

2013-07-01

... 38 Pensions, Bonuses, and Veterans' Relief 1 2013-07-01 2013-07-01 false Misstatement of age. 6.1... GOVERNMENT LIFE INSURANCE Age § 6.1 Misstatement of age. If the age of the insured under a United States... shall be such exact amount as the premium paid would have purchased at the correct age; if overstated...

38 CFR 6.1 - Misstatement of age.

Code of Federal Regulations, 2011 CFR

2011-07-01

... 38 Pensions, Bonuses, and Veterans' Relief 1 2011-07-01 2011-07-01 false Misstatement of age. 6.1... GOVERNMENT LIFE INSURANCE Age § 6.1 Misstatement of age. If the age of the insured under a United States... shall be such exact amount as the premium paid would have purchased at the correct age; if overstated...

38 CFR 6.1 - Misstatement of age.

Code of Federal Regulations, 2012 CFR

2012-07-01

... 38 Pensions, Bonuses, and Veterans' Relief 1 2012-07-01 2012-07-01 false Misstatement of age. 6.1... GOVERNMENT LIFE INSURANCE Age § 6.1 Misstatement of age. If the age of the insured under a United States... shall be such exact amount as the premium paid would have purchased at the correct age; if overstated...

Mobile Technology Bridges the 30 Million Word Gap

ERIC Educational Resources Information Center

Shing, Sophia; Yuan, Benjamin

2017-01-01

Education has been traditionally viewed as an equalizer for the poor to gain access to a better life. With the advent of the skills premium paired with rapid technological advances, the stratification and changing nature of education has ironically become one of the main causes of the income achievement gap. Research confirms that by the age of 3,…

5 CFR 892.303 - Can I pay my premiums directly by check under the premium conversion plan?

Code of Federal Regulations, 2010 CFR

2010-01-01

... under the premium conversion plan? 892.303 Section 892.303 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT (CONTINUED) CIVIL SERVICE REGULATIONS (CONTINUED) FEDERAL FLEXIBLE BENEFITS PLAN: PRE-TAX PAYMENT OF HEALTH BENEFITS PREMIUMS Contributions and Withholdings § 892.303 Can I pay my premiums directly...

24 CFR 207.252e - Method of payment of mortgage insurance premiums.

Code of Federal Regulations, 2010 CFR

2010-04-01

... insurance premiums. 207.252e Section 207.252e Housing and Urban Development Regulations Relating to Housing... Premiums § 207.252e Method of payment of mortgage insurance premiums. In the cases that the Commissioner... mortgagees, that mortgage insurance premiums be remitted electronically. [63 FR 1303, Jan. 8, 1998] ...

24 CFR 207.252e - Method of payment of mortgage insurance premiums.

Code of Federal Regulations, 2011 CFR

2011-04-01

... insurance premiums. 207.252e Section 207.252e Housing and Urban Development Regulations Relating to Housing... Premiums § 207.252e Method of payment of mortgage insurance premiums. In the cases that the Commissioner... mortgagees, that mortgage insurance premiums be remitted electronically. [63 FR 1303, Jan. 8, 1998] ...

26 CFR 1.848-2 - Determination of net premiums.

Code of Federal Regulations, 2010 CFR

2010-04-01

... contracts. With respect to any category of contracts, net premiums means— (i) The gross amount of premiums... subject to the rules of paragraph (h) of this section. (b) Gross amount of premiums and other consideration—(1) General rule. The term “gross amount of premiums and other consideration” means the sum of— (i...

44 CFR 62.23 - WYO Companies authorized.

Code of Federal Regulations, 2010 CFR

2010-10-01

... premium and net premium deposits to a Letter of Credit bank account authorized by the Federal Insurance... plans can be offered by the WYO Company so long as the net premium depository requirements specified...-payment of premium will not produce a pro rata return of the net premium deposit to the WYO Company. (8...

Employer contribution and premium growth in health insurance.

PubMed

Liu, Yiyan; Jin, Ginger Zhe

2015-01-01

We study whether employer premium contribution schemes could impact the pricing behavior of health plans and contribute to rising premiums. Using 1991-2011 data before and after a 1999 premium subsidy policy change in the Federal Employees Health Benefits Program (FEHBP), we find that the employer premium contribution scheme has a differential impact on health plan pricing based on two market incentives: 1) consumers are less price sensitive when they only need to pay part of the premium increase, and 2) each health plan has an incentive to increase the employer's premium contribution to that plan. Both incentives are found to contribute to premium growth. Counterfactual simulation shows that average premium would have been 10% less than observed and the federal government would have saved 15% per year on its premium contribution had the subsidy policy change not occurred in the FEHBP. We discuss the potential of similar incentives in other government-subsidized insurance systems such as the Medicare Part D and the Health Insurance Marketplace under the Affordable Care Act. Copyright © 2014 Elsevier B.V. All rights reserved.

The malpractice premium costs of obstetrics.

PubMed

Norton, S A

1997-01-01

This study examined, in 1992, the variation in the level of malpractice premiums, and the incremental malpractice premium costs associated with the practice of obstetrics for family practitioners and obstetricians. On average, in 1992 obstetricians and family practitioners providing obstetric services paid malpractice premiums of roughly $44,000 and $16,000, respectively. The incremental increase in malpractice premium costs represented roughly 70% of the premium the physicians would have paid had they not provided obstetric services. These results suggest that for both family practitioners and obstetricians, there is a considerable premium penalty associated with providing obstetric services which may have implications for women's access to obstetric services. Moreover, the results make it clear that physicians practicing in different states, and different specialists within a state, may face very different malpractice premium costs.

Assessing Potential Enrollment and Budgetary Effects of SCHIP Premiums: Findings from Arizona and Kentucky

PubMed Central

Kenney, Genevieve; Marton, James; McFeeters, Joshua; Costich, Julia

2007-01-01

Objective To assess whether new premiums in SCHIP affect rates of disenrollment and reenrollment in SCHIP and whether they have spillover enrollment effects on Medicaid. Data Source We used SCHIP administrative enrollment data from Arizona and Kentucky. The enrollment data covered July 2001 to December 2005 in Arizona and November 2001 to August 2004 in Kentucky. Study Design We used administrative data from two states, Arizona and Kentucky, which introduced new premiums for certain income categories in their SCHIP programs in 2004 and 2003, respectively. We used multivariate hazard models to study rates of disenrollment and re-enrollment for the recipients who had been enrolled in the categories of SCHIP in which the new premiums were implemented. Competing hazard models were used to determine if recipients leaving SCHIP following the introduction of the premium were obtaining other public coverage or exiting public insurance entirely at higher rates. We also used time-series models to measure the effect of premiums on changes in caseloads in premium-paying SCHIP and other categories of public coverage and we assessed the budgetary implications of imposing premiums. Principal Findings In both states, the new premiums increased the rate of disenrollment and decreased the rate of re-enrollment in premium-paying SCHIP among the children who were enrolled in those categories before the premiums were implemented. The competing hazard models indicated that almost all of the increased disenrollment is caused by recipients leaving public insurance entirely. The time-series models indicated that the new premium reduced caseloads in premium-paying SCHIP, but that it might have increased caseloads for other types of public coverage. The amount of premiums collected net of the costs associated with administering premiums is small in both states. Estimating the full budgetary effects with certainty was not possible given the imprecision of the key time-series estimates. Conclusion These results suggest that the new premium reduced enrollment in the premium-paying group by 18 percent (over 3,000 children) in Kentucky and by 5 percent (over 1,000 children) in Arizona, with some of these children apparently leaving public coverage altogether. While most children enrolled in these categories did not appear to be directly affected by the imposition of $10–$20 monthly premiums, the premiums may have caused some children to go without health insurance coverage, which in turn could have adverse effects on their access to care. Imposing nominal premiums may reduce state spending, but projected savings appear to be small relative to total state SCHIP spending and resulting increases in enrollment in other public programs and in uninsurance rates could offset those savings. PMID:17995547

Tort law and medical malpractice insurance premiums.

PubMed

Kilgore, Meredith L; Morrisey, Michael A; Nelson, Leonard J

2006-01-01

This paper estimated the effects of tort law and insurer investment returns on physician malpractice insurance premiums. Data were collected on tort law from 1991 through 2004, and multivariate regression models, including fixed effects for state and year, were used to estimate the effect of changes in tort law on medical malpractice premiums. The premium consequences of national policy changes were simulated. The analysis found that the introduction of a new damage cap lowered malpractice premiums for internal medicine, general surgery, and obstetrics/gynecology by 17.3%, 20.7%, and 25.5%, respectively. Lowering damage caps by dollar 100,000 reduced premiums by 4%. Statutes of repose also resulted in lower premiums. No other tort law changes had the effect of lowering premiums. Simulation results indicate that a national cap of dollar 250,000 on awards for noneconomic damages in all states would imply premium savings of dollar 16.9 billion. Extending a dollar 250,000 cap to all states that do not currently have them would save dollar 1.4 billion annually, or about 8% of the total. A negative effect on malpractice premiums was found for the Dow Jones industrial average, but not for bond prices; effects of the Nasdaq index were not significant for internal medicine, but were marginally significant for surgery and obstetrics premiums.

Estimation of a Hedonic Pricing Model for Medigap Insurance

PubMed Central

Robst, John

2006-01-01

Objective This paper uses a unique database to examine premiums paid by beneficiaries for Medigap supplemental coverage. Average premiums charged by insurers are reported, as well as premiums by enrollee age and gender, and additional policy characteristics. Marginal prices for Medigap benefits are estimated using hedonic price regressions. In addition, the paper considers how additional policy characteristics and geographic differences in the use and cost of medical care affect premiums. Data Sources/Study Setting A comprehensive database on premiums paid by beneficiaries for newly issued Medigap policies in the year 2000 along with state-level characteristics. Study Design Hedonic pricing equations are used to estimate implicit prices for Medigap benefits. Data Collection/Extraction Methods The Centers for Medicare & Medicaid Services contracted for the creation of a detailed database on Medigap premiums. Data were collected in three stages. First, letters were sent directly to insurers requesting premium data. Second, letters were directly to state insurance commissioner's offices requesting premium data. Last, each state insurance commissioner's office was visited to collect missing data. Principal Findings With the exceptions of the part B deductible and drug benefit, Medigap supplemental insurance is priced consistent with the actuarial value of benefits offered under the standardized plans. Premiums vary substantially based on rating method, whether the policy is guaranteed issue, Medigap Select, or explicitly for smokers. Premiums increase with enrollee age, but do not vary between men and women. The relationship between premiums and enrollee age varies across rating methods. Attained-age policies show the strongest relationship between age and premiums, while community-rated premiums, by definition, do not vary with age. Medigap supplemental insurance premiums are higher in states with poorer health, greater utilization, and greater managed care penetration. Conclusions Despite the high cost, Medigap plans are generally priced in accordance with the actuarial value of benefits. The primary exception is the drug benefit, which appears to be subject to substantial adverse selection. Benefits such as the part B deductible and at-home recovery benefit offer little value to consumers. Several states require insurers to community rate premiums. Such regulation has important implications for premiums, and research needs to consider the impact of such regulation on the Medigap market. PMID:17116111

Estimation of a hedonic pricing model for Medigap insurance.

PubMed

Robst, John

2006-12-01

This paper uses a unique database to examine premiums paid by beneficiaries for Medigap supplemental coverage. Average premiums charged by insurers are reported, as well as premiums by enrollee age and gender, and additional policy characteristics. Marginal prices for Medigap benefits are estimated using hedonic price regressions. In addition, the paper considers how additional policy characteristics and geographic differences in the use and cost of medical care affect premiums. A comprehensive database on premiums paid by beneficiaries for newly issued Medigap policies in the year 2000 along with state-level characteristics. Hedonic pricing equations are used to estimate implicit prices for Medigap benefits. The Centers for Medicare & Medicaid Services contracted for the creation of a detailed database on Medigap premiums. Data were collected in three stages. First, letters were sent directly to insurers requesting premium data. Second, letters were directly to state insurance commissioner's offices requesting premium data. Last, each state insurance commissioner's office was visited to collect missing data. With the exceptions of the part B deductible and drug benefit, Medigap supplemental insurance is priced consistent with the actuarial value of benefits offered under the standardized plans. Premiums vary substantially based on rating method, whether the policy is guaranteed issue, Medigap Select, or explicitly for smokers. Premiums increase with enrollee age, but do not vary between men and women. The relationship between premiums and enrollee age varies across rating methods. Attained-age policies show the strongest relationship between age and premiums, while community-rated premiums, by definition, do not vary with age. Medigap supplemental insurance premiums are higher in states with poorer health, greater utilization, and greater managed care penetration. Despite the high cost, Medigap plans are generally priced in accordance with the actuarial value of benefits. The primary exception is the drug benefit, which appears to be subject to substantial adverse selection. Benefits such as the part B deductible and at-home recovery benefit offer little value to consumers. Several states require insurers to community rate premiums. Such regulation has important implications for premiums, and research needs to consider the impact of such regulation on the Medigap market.

26 CFR 1.163-11T - Allocation of certain prepaid qualified mortgage insurance premiums (temporary).

Code of Federal Regulations, 2010 CFR

2010-04-01

... insurance premiums (temporary). 1.163-11T Section 1.163-11T Internal Revenue INTERNAL REVENUE SERVICE... insurance premiums (temporary). (a) Allocation—(1) In general. As provided in section 163(h)(3)(E), premiums... section applies whether the qualified mortgage insurance premiums are paid in cash or are financed...

26 CFR 1.163-11T - Allocation of certain prepaid qualified mortgage insurance premiums (temporary).

Code of Federal Regulations, 2011 CFR

2011-04-01

... insurance premiums (temporary). 1.163-11T Section 1.163-11T Internal Revenue INTERNAL REVENUE SERVICE... insurance premiums (temporary). (a) Allocation—(1) In general. As provided in section 163(h)(3)(E), premiums... section applies whether the qualified mortgage insurance premiums are paid in cash or are financed...

29 CFR Appendix to Part 4007 - Policy Guidelines On Premium Penalties

Code of Federal Regulations, 2013 CFR

2013-07-01

... 29 Labor 9 2013-07-01 2013-07-01 false Policy Guidelines On Premium Penalties Appendix to Part... PAYMENT OF PREMIUMS Pt. 4007, App. Appendix to Part 4007—Policy Guidelines On Premium Penalties Sec...? 3What is the purpose of a premium penalty? 4What information is in this Appendix and how is it organized...

29 CFR Appendix to Part 4007 - Policy Guidelines On Premium Penalties

Code of Federal Regulations, 2011 CFR

2011-07-01

... 29 Labor 9 2011-07-01 2011-07-01 false Policy Guidelines On Premium Penalties Appendix to Part... PAYMENT OF PREMIUMS Pt. 4007, App. Appendix to Part 4007—Policy Guidelines On Premium Penalties Sec...? 3What is the purpose of a premium penalty? 4What information is in this Appendix and how is it organized...

29 CFR Appendix to Part 4007 - Policy Guidelines On Premium Penalties

Code of Federal Regulations, 2010 CFR

2010-07-01

... 29 Labor 9 2010-07-01 2010-07-01 false Policy Guidelines On Premium Penalties Appendix to Part... PAYMENT OF PREMIUMS Pt. 4007, App. Appendix to Part 4007—Policy Guidelines On Premium Penalties Sec...? 3What is the purpose of a premium penalty? 4What information is in this Appendix and how is it organized...

29 CFR Appendix to Part 4007 - Policy Guidelines On Premium Penalties

Code of Federal Regulations, 2014 CFR

2014-07-01

... 29 Labor 9 2014-07-01 2014-07-01 false Policy Guidelines On Premium Penalties Appendix to Part... PAYMENT OF PREMIUMS Pt. 4007, App. Appendix to Part 4007—Policy Guidelines On Premium Penalties Sec...? 3What is the purpose of a premium penalty? 4What information is in this Appendix and how is it organized...

29 CFR Appendix to Part 4007 - Policy Guidelines On Premium Penalties

Code of Federal Regulations, 2012 CFR

2012-07-01

... 29 Labor 9 2012-07-01 2012-07-01 false Policy Guidelines On Premium Penalties Appendix to Part... PAYMENT OF PREMIUMS Pt. 4007, App. Appendix to Part 4007—Policy Guidelines On Premium Penalties Sec...? 3What is the purpose of a premium penalty? 4What information is in this Appendix and how is it organized...

The Impact of the ACA on Premiums: Evidence from the Self-Employed.

PubMed

Heim, Bradley T; Hunter, Gillian; Lurie, Ithai Z; Ramnath, Shanthi P

2015-10-01

This article examines the impact of the Affordable Care Act on premiums by studying a segment of the nongroup market, the self-employed. Because self-employed health insurance premiums are deductible, tax data contain comprehensive individual-level information on the premiums paid by this group prior to the establishment of health insurance exchanges. We compare these prior premiums to reference silver premiums available on the exchanges and find that exchange premiums are 4.2 percent higher on average among the entire sample but 42.3 percent lower on average after taxes and subsidies. We also examine which type of exchange coverage would cost less than the individual's prior health insurance premiums and find that almost 60 percent of families could purchase bronze plans for less than their prior premiums, though only about a quarter could purchase platinum plans. After taxes and subsidies, the fractions increase to over 85 percent for bronze plans and over half for platinum plans. Copyright © 2015 by Duke University Press.

5 CFR 550.154 - Rates of premium pay payable under § 550.151.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 5 Administrative Personnel 1 2011-01-01 2011-01-01 false Rates of premium pay payable under § 550... REGULATIONS PAY ADMINISTRATION (GENERAL) Premium Pay Administratively Uncontrollable Work § 550.154 Rates of premium pay payable under § 550.151. (a) An agency may pay the premium pay on an annual basis referred to...

The Association of State Rate Review Authority with Health Insurance Premiums.

PubMed

Ticse, Caroline

2015-10-01

Key findings. (1) Adjusted premiums in the individual market in states with prior approval authority combined with loss ratio requirements were lower in 2010-2013 than premiums in states with no rate review authority or file-and-use regulations only. (2) Adjusted premiums declined modestly in prior approval states while premiums increased in states with no rate review authority or with file-and-use regulations only. (3) The findings suggest that states with prior approval authority and loss ratio requirements constrained increases in health insurance premiums.

Native, discount, or premium brand cigarettes: what types of cigarettes are Canadian youth currently smoking?

PubMed

Elton-Marshall, Tara; Leatherdale, Scott T; Burkhalter, Robin

2013-02-01

The objective of the study was to determine the brand distribution of premium, discount, and native cigarette brands and to identify the factors associated with smoking these brands among a nationally representative sample of Canadian youth smokers. Data from 3,137 current smokers in Grades 9-12 participating in the 2008-2009 Youth Smoking Survey (YSS) were used to examine the prevalence and factors associated with different cigarette brand preferences. The most prevalent brand of cigarette smoked was premium cigarettes (44.7%), followed by discount cigarettes (33.7%), and to be native cigarettes (7.3%). There was significant variability in brand preference by province with the majority of youth in Atlantic Canada and Quebec smoking a discount brand of cigarettes and higher prevalence rates of native cigarette use in Ontario and Quebec. Respondents were more likely to smoke discount cigarettes if they were female, daily smokers, or if they only had $1-20 a week in spending money. Respondents were more likely to smoke native cigarettes if they were Aboriginal, heavier smokers, or if they reported having no weekly spending money. A significant proportion of students from Grade 9 to 12 in Canada smoke cigarettes that are more affordable than premium brands and it appears that the market share for these more affordable cigarette options has increased in recent years. Given that the price of cigarettes is an important determinant in youth smoking behavior, it is critical to develop and continue to enforce tobacco control strategies designed to eliminate access to cheaper sources of cigarettes among youth populations.

The impact of CHIP premium increases on insurance outcomes among CHIP eligible children

PubMed Central

2014-01-01

Background Within the United States, public insurance premiums are used both to discourage private health policy holders from dropping coverage and to reduce state budget costs. Prior research suggests that the odds of having private coverage and being uninsured increase with increases in public insurance premiums. The aim of this paper is to test effects of Children’s Health Insurance Program (CHIP) premium increases on public insurance, private insurance, and uninsurance rates. Methods The fact that families just below and above a state-specific income cut-off are likely very similar in terms of observable and unobservable characteristics except the premium contribution provides a natural experiment for estimating the effect of premium increases. Using 2003 Medical Expenditure Panel Survey (MEPS) merged with CHIP premiums, we compare health insurance outcomes for CHIP eligible children as of January 2003 in states with a two-tier premium structure using a cross-sectional regression discontinuity methodology. We use difference-in-differences analysis to compare longitudinal insurance outcomes by December 2003. Results Higher CHIP premiums are associated with higher likelihood of private insurance. Disenrollment from CHIP in response to premium increases over time does not increase the uninsurance rate. Conclusions When faced with higher CHIP premiums, private health insurance may be a preferable alternative for CHIP eligible families with higher incomes. Therefore, competition in the insurance exchanges being formed under the Affordable Care Act could enhance choice. PMID:24589197

The impact of CHIP premium increases on insurance outcomes among CHIP eligible children.

PubMed

Nikolova, Silviya; Stearns, Sally

2014-03-03

Within the United States, public insurance premiums are used both to discourage private health policy holders from dropping coverage and to reduce state budget costs. Prior research suggests that the odds of having private coverage and being uninsured increase with increases in public insurance premiums. The aim of this paper is to test effects of Children's Health Insurance Program (CHIP) premium increases on public insurance, private insurance, and uninsurance rates. The fact that families just below and above a state-specific income cut-off are likely very similar in terms of observable and unobservable characteristics except the premium contribution provides a natural experiment for estimating the effect of premium increases. Using 2003 Medical Expenditure Panel Survey (MEPS) merged with CHIP premiums, we compare health insurance outcomes for CHIP eligible children as of January 2003 in states with a two-tier premium structure using a cross-sectional regression discontinuity methodology. We use difference-in-differences analysis to compare longitudinal insurance outcomes by December 2003. Higher CHIP premiums are associated with higher likelihood of private insurance. Disenrollment from CHIP in response to premium increases over time does not increase the uninsurance rate. When faced with higher CHIP premiums, private health insurance may be a preferable alternative for CHIP eligible families with higher incomes. Therefore, competition in the insurance exchanges being formed under the Affordable Care Act could enhance choice.

EFFECTS OF A TRANSIENT CANCER SCARE ON PROPERTY VALUES: IMPLICATIONS FOR RISK VALUATION AND THE VALUE OF LIFE. (R825173)

EPA Science Inventory

Abstract

A transient cancer scare is presented as a rare opportunity to observe the effect of a perceived increase in risk on the price of residential property. The temporary nature of the perceived excess risk allows for the isolation of a risk premium from the change...

Premium assistance in Medicaid and SCHIP: ace in the hole or house of cards?

PubMed

Shirk, Cynthia; Ryan, Jennifer

2006-07-17

This issue brief explores the use of premium assistance in publicly financed health insurance coverage programs. In the context of Medicaid and the State Children's Health Insurance Program (SCHIP), premium assistance entails using federal and state funds to subsidize the premiums for the purchase of private insurance coverage for eligible individuals. This paper considers the evolution of premium assistance and some of the statutory and administrative limitations, as well as private market factors, that have prevented widespread enrollment in Medicaid or SCHIP premium assistance programs. Finally, this issue brief offers some ideas for potential legislative and/or programmatic changes that could facilitate the use of premium assistance as a mechanism for health coverage expansion.

5 CFR 892.303 - Can I pay my premiums directly by check under the premium conversion plan?

Code of Federal Regulations, 2013 CFR

2013-01-01

... MANAGEMENT (CONTINUED) CIVIL SERVICE REGULATIONS (CONTINUED) FEDERAL FLEXIBLE BENEFITS PLAN: PRE-TAX PAYMENT OF HEALTH BENEFITS PREMIUMS Contributions and Withholdings § 892.303 Can I pay my premiums directly...

5 CFR 892.303 - Can I pay my premiums directly by check under the premium conversion plan?

Code of Federal Regulations, 2014 CFR

2014-01-01

... MANAGEMENT (CONTINUED) CIVIL SERVICE REGULATIONS (CONTINUED) FEDERAL FLEXIBLE BENEFITS PLAN: PRE-TAX PAYMENT OF HEALTH BENEFITS PREMIUMS Contributions and Withholdings § 892.303 Can I pay my premiums directly...

5 CFR 892.303 - Can I pay my premiums directly by check under the premium conversion plan?

Code of Federal Regulations, 2011 CFR

2011-01-01

... MANAGEMENT (CONTINUED) CIVIL SERVICE REGULATIONS (CONTINUED) FEDERAL FLEXIBLE BENEFITS PLAN: PRE-TAX PAYMENT OF HEALTH BENEFITS PREMIUMS Contributions and Withholdings § 892.303 Can I pay my premiums directly...

Insurer Competition In Federally Run Marketplaces Is Associated With Lower Premiums.

PubMed

Jacobs, Paul D; Banthin, Jessica S; Trachtman, Samuel

2015-12-01

Federal subsidies for health insurance premiums sold through the Marketplaces are tied to the cost of the benchmark plan, the second-lowest-cost silver plan. According to economic theory, the presence of more competitors should lead to lower premiums, implying smaller federal outlays for premium subsidies. The long-term impact of the Affordable Care Act on government spending will depend on the cost of these premium subsidies over time, with insurer participation and the level of competition likely to influence those costs. We studied insurer participation and premiums during the first two years of the Marketplaces. We found that the addition of a single insurer in a county was associated with a 1.2 percent lower premium for the average silver plan and a 3.5 percent lower premium for the benchmark plan in the federally run Marketplaces. We found that the effect of insurer entry was muted after two or three additional entrants. These findings suggest that increased insurer participation in the federally run Marketplaces reduces federal payments for premium subsidies. Project HOPE—The People-to-People Health Foundation, Inc.

42 CFR 408.201 - Definitions.

Code of Federal Regulations, 2010 CFR

2010-10-01

... PREMIUMS FOR SUPPLEMENTARY MEDICAL INSURANCE Supplementary Medical Insurance Premium Surcharge Agreements § 408.201 Definitions. For purposes of this subpart, the following definitions apply: SMI premium surcharge means the amount that the standard monthly SMI premium is increased for late enrollment or for...

42 CFR 408.201 - Definitions.

Code of Federal Regulations, 2011 CFR

2011-10-01

... PREMIUMS FOR SUPPLEMENTARY MEDICAL INSURANCE Supplementary Medical Insurance Premium Surcharge Agreements § 408.201 Definitions. For purposes of this subpart, the following definitions apply: SMI premium surcharge means the amount that the standard monthly SMI premium is increased for late enrollment or for...

Do "premium" joint implants add value?: analysis of high cost joint implants in a community registry.

PubMed

Gioe, Terence J; Sharma, Amit; Tatman, Penny; Mehle, Susan

2011-01-01

Numerous joint implant options of varying cost are available to the surgeon, but it is unclear whether more costly implants add value in terms of function or longevity. We evaluated registry survival of higher-cost "premium" knee and hip components compared to lower-priced standard components. Premium TKA components were defined as mobile-bearing designs, high-flexion designs, oxidized-zirconium designs, those including moderately crosslinked polyethylene inserts, or some combination. Premium THAs included ceramic-on-ceramic, metal-on-metal, and ceramic-on-highly crosslinked polyethylene designs. We compared 3462 standard TKAs to 2806 premium TKAs and 868 standard THAs to 1311 premium THAs using standard statistical methods. The cost of the premium implants was on average approximately $1000 higher than the standard implants. There was no difference in the cumulative revision rate at 7-8 years between premium and standard TKAs or THAs. In this time frame, premium implants did not demonstrate better survival than standard implants. Revision indications for TKA did not differ, and infection and instability remained contributors. Longer followup is necessary to demonstrate whether premium implants add value in younger patient groups. Level III, therapeutic study. See Guidelines for Authors for a complete description of levels of evidence.

Trends in malpractice premiums for dermatologists: results of a national survey.

PubMed

Resneck, Jack S

2006-03-01

To analyze professional liability premiums in dermatology and factors associated with premium variation. This study examines data from a survey of dermatologists conducted in 2004. Survey respondents (n = 1095) reported mean medical liability premiums of $10,898 in 2004 (95% confidence interval, $10,295-$11,501). Premiums increased by 24.4% in 2003 and 16.7% in 2004. There was substantial variation by state, and mean premiums were higher in American Medical Association (AMA)-declared "crisis states" than in those states listed as "currently OK" ($11,669 vs $9527; P = .03). Premium growth from 2002 through 2004 was higher in AMA crisis states and in states without $250 000 caps in place for noneconomic damages. Even when excluding payment for cosmetic riders, premium levels were higher for dermatologists spending more than 10% of their time in cosmetic practice ($13,816 vs $10,185; P<.001) or more than 30% of their time in noncosmetic surgery ($12,551 vs $10,453; P = .01). While premiums paid by dermatologists for professional liability insurance in 2004 were well below those experienced by higher-risk specialties, geographic factors and state tort law variation seem to be affecting dermatology premiums in much the same way they affect the field of medicine as a whole.

Drug benefit decisions among older adults: a policy-capturing analysis.

PubMed

Cline, Richard R; Gupta, Kiran

2006-01-01

Under the Medicare Prescription Drug Improvement and Modernization Act, beneficiaries remaining in the traditional fee-for-service plan will face a variety of drug benefit options provided by private stand-alone prescription drug plans. Although these plans likely will differ with regard to a number of important attributes, little is known about older adults' judgment processes in this context. The objectives of this study were to 1) better understand the manner in which drug insurance attributes are weighted in older adults' judgments of drug benefit suitability, 2) explore variability in judgment strategies among seniors, and 3) assess seniors' insight into their judgment policies. Three focus groups were conducted with 19 older adults to elicit important drug plan attributes. A policy-capturing study with 32 seniors, none of whom had participated in the focus groups, then was employed to quantify the impacts of these attributes on judgments of plan suitability. Focus group participants reported that copayment, monthly premium, deductible, formulary use, and mail-order pharmacy use were important drug insurance attributes. The policy-capturing study showed that deductibles and premiums were weighted most heavily in judgment formation. However, significant variability in judgment policies was apparent, with 3 distinct groups emerging from cluster analysis. The first emphasized deductibles and copayments, the second premiums and deductibles, and the third use of a mail-order pharmacy and deductibles. Study volunteers exhibited insight into the role of some plan attributes in their judgments, but not others. Cost-sharing provisions appear to be most important in older adults' evaluations of drug benefit plans. However, significant heterogeneity in attribute preferences also was apparent in this study. Older adults may not be cognizant of the manner in which some plan attributes affect their evaluations, suggesting a role for decision aids in this process.

ACA Marketplace premiums and competition among hospitals and physician practices.

PubMed

Polyakova, Maria; Bundorf, M Kate; Kessler, Daniel P; Baker, Laurence C

2018-02-01

To examine the association between annual premiums for health plans available in Federally Facilitated Marketplaces (FFMs) and the extent of competition and integration among physicians and hospitals, as well as the number of insurers. We used observational data from the Center for Consumer Information and Insurance Oversight on the annual premiums and other characteristics of plans, matched to measures of physician, hospital, and insurer market competitiveness and other characteristics of 411 rating areas in the 37 FFMs. We estimated multivariate models of the relationship between annual premiums and Herfindahl-Hirschman indices of hospitals and physician practices, controlling for the number of insurers, the extent of physician-hospital integration, and other plan and rating area characteristics. Premiums for Marketplace plans were higher in rating areas in which physician, hospital, and insurance markets were less competitive. An increase from the 10th to the 90th percentile of physician concentration and hospital concentration was associated with increases of $393 and $189, respectively, in annual premiums for the Silver plan with the second lowest cost. A similar increase in the number of insurers was associated with a $421 decrease in premiums. Physician-hospital integration was not significantly associated with premiums. Premiums for FFM plans were higher in markets with greater concentrations of hospitals and physicians but fewer insurers. Higher premiums make health insurance less affordable for people purchasing unsubsidized coverage and raise the cost of Marketplace premium tax credits to the government.

Medicaid and CHIP Premiums and Access to Care: A Systematic Review.

PubMed

Saloner, Brendan; Hochhalter, Stephanie; Sabik, Lindsay

2016-03-01

Premiums are required in Medicaid and the Children's Health Insurance Program in many states. Effects of premiums are raised in policy debates. Our objective was to review effects of premiums on children's coverage and access. PubMed was used to search academic literature from 1995 to 2014. Two reviewers initially screened studies by using abstracts and titles, and 1 additional reviewer screened proposed studies. Included studies focused on publicly insured children, evaluated premium changes in at least 1 state/local program, and used longitudinal or repeated cross-sectional data with pre/postchange measures. We identified 263 studies of which 17 met inclusion criteria. Four studies examined population-level coverage effects by using national survey data, 11 studies examined trends in disenrollment and reenrollment by using administrative data, and 2 studies measured additional outcomes. No eligible studies evaluated health status effects. Increases in premiums were associated with increased disenrollment rates in 7 studies that permitted comparison. Larger premium increases and stringent enforcement tended to have larger effects on disenrollment. At a population level, premiums reduce public insurance enrollment and may increase the uninsured rate for lower-income children. Little is known about effects of premiums on spending or access to care, but 1 study reveals premiums are unlikely to yield substantial revenue. Effect sizes were difficult to compare across studies with administrative data. Public insurance premiums often increase disenrollment from public insurance and may have unintended consequences on overall coverage for low-income children. Copyright © 2016 by the American Academy of Pediatrics.

24 CFR 232.805 - Insurance premiums.

Code of Federal Regulations, 2014 CFR

2014-04-01

... insurance premium equal to one percent of the original face amount of the note. (b) Second premium. The... the first principal payment. (c) Annual insurance premium. Until the note is paid in full, or until... amortization provisions without taking into account delinquent payments or prepayments. ...

24 CFR 232.805 - Insurance premiums.

Code of Federal Regulations, 2012 CFR

2012-04-01

... insurance premium equal to one percent of the original face amount of the note. (b) Second premium. The... the first principal payment. (c) Annual insurance premium. Until the note is paid in full, or until... amortization provisions without taking into account delinquent payments or prepayments. ...

24 CFR 241.805 - Insurance premiums.

Code of Federal Regulations, 2014 CFR

2014-04-01

... insurance premium equal to one percent of the original face amount of the note. (b) Second premium. The... the first principal payment. (c) Annual insurance premium. Until the note is paid in full, or until... provisions without taking into account delinquent payments or prepayments. ...

24 CFR 241.805 - Insurance premiums.

Code of Federal Regulations, 2013 CFR

2013-04-01

... insurance premium equal to one percent of the original face amount of the note. (b) Second premium. The... the first principal payment. (c) Annual insurance premium. Until the note is paid in full, or until... provisions without taking into account delinquent payments or prepayments. ...

24 CFR 241.805 - Insurance premiums.

Code of Federal Regulations, 2012 CFR

2012-04-01

... insurance premium equal to one percent of the original face amount of the note. (b) Second premium. The... the first principal payment. (c) Annual insurance premium. Until the note is paid in full, or until... provisions without taking into account delinquent payments or prepayments. ...

24 CFR 232.805 - Insurance premiums.

Code of Federal Regulations, 2013 CFR

2013-04-01

... insurance premium equal to one percent of the original face amount of the note. (b) Second premium. The... the first principal payment. (c) Annual insurance premium. Until the note is paid in full, or until... amortization provisions without taking into account delinquent payments or prepayments. ...

78 FR 70856 - Information Reporting of Mortgage Insurance Premiums

Federal Register 2010, 2011, 2012, 2013, 2014

2013-11-27

... Information Reporting of Mortgage Insurance Premiums AGENCY: Internal Revenue Service (IRS), Treasury. ACTION... regulations that require information reporting by persons who receive mortgage insurance premiums, including... reporting requirements that result from the extension of the treatment of mortgage insurance premiums made...

42 CFR 408.202 - Conditions for participation.

Code of Federal Regulations, 2010 CFR

2010-10-01

... MEDICARE PROGRAM PREMIUMS FOR SUPPLEMENTARY MEDICAL INSURANCE Supplementary Medical Insurance Premium... apply to CMS to enter into an SMI premium surcharge agreement if the following conditions are met: (1) Each individual designated for coverage under the premium surcharge agreement must be enrolled in...

42 CFR 408.202 - Conditions for participation.

Code of Federal Regulations, 2011 CFR

2011-10-01

... MEDICARE PROGRAM PREMIUMS FOR SUPPLEMENTARY MEDICAL INSURANCE Supplementary Medical Insurance Premium... apply to CMS to enter into an SMI premium surcharge agreement if the following conditions are met: (1) Each individual designated for coverage under the premium surcharge agreement must be enrolled in...

48 CFR 2132.770 - Insurance premium payments and special contingency reserve.

Code of Federal Regulations, 2010 CFR

2010-10-01

... 48 Federal Acquisition Regulations System 6 2010-10-01 2010-10-01 true Insurance premium payments... GENERAL CONTRACTING REQUIREMENTS CONTRACT FINANCING Contract Funding 2132.770 Insurance premium payments and special contingency reserve. Insurance premium payments and a special contingency reserve are made...

48 CFR 2132.770 - Insurance premium payments and special contingency reserve.

Code of Federal Regulations, 2011 CFR

2011-10-01

... 48 Federal Acquisition Regulations System 6 2011-10-01 2011-10-01 false Insurance premium payments... GENERAL CONTRACTING REQUIREMENTS CONTRACT FINANCING Contract Funding 2132.770 Insurance premium payments and special contingency reserve. Insurance premium payments and a special contingency reserve are made...

46 CFR 308.514 - Return premium.

Code of Federal Regulations, 2014 CFR

2014-10-01

... 46 Shipping 8 2014-10-01 2014-10-01 false Return premium. 308.514 Section 308.514 Shipping MARITIME ADMINISTRATION, DEPARTMENT OF TRANSPORTATION EMERGENCY OPERATIONS WAR RISK INSURANCE War Risk Cargo Insurance Open Policy War Risk Cargo Insurance § 308.514 Return premium. No premium will be...

State trends in premiums and deductibles, 2003-2010: the need for action to address rising costs.

PubMed

Schoen, Cathy; Fryer, Ashley-Kay; Collins, Sara R; Radley, David C

2011-11-01

Rapidly rising health insurance costs continue to strain the budgets of U.S. families and employers. This issue brief analyzes changes in private employer-based health premiums and deductibles for all states from 2003 to 2010, and finds total premiums for family coverage increased 50 percent across states and employee annual share of premiums increased by 63 percent over these seven years. At the same time, per-person deductibles doubled in large, as well as small, firms. If premium trends continue at the rate prior to enactment of the Affordable Care Act, the average premium for family coverage will rise 72 percent by 2020, to nearly $24,000. Health reform offers the potential to reduce insurance cost growth while improving financial protections. If efforts succeed in slowing annual premium growth by 1 percentage point, by 2020 employers and families together would save $2,161 annually for family coverage, compared with projected premiums at historical rates of increase.

Lessons Learned From the Affordable Care Act: The Premium Subsidy Design May Promote Adverse Selection.

PubMed

Graetz, Ilana; McKillop, Caitlin N; Kaplan, Cameron M; Waters, Teresa M

2017-05-01

Since 2014, average premiums for health plans available in the Affordable Care Act marketplaces have increased. We examine how premium price changes affected the amount consumers pay after subsidies for the lowest-cost bronze and silver plans available by age in the federally facilitated exchanges. Between 2015 and 2016, benchmark plan premiums increased in 83.3% of counties. Overall, rising benchmark premiums were associated with lower average after-subsidy premiums for the lowest-cost bronze and silver plans for older subsidy-eligible adults, but with higher after-subsidy premiums for younger adults purchasing the same plans, regardless of income. With recent discussions to replace or overhaul the Affordable Care Act, it is critical that we learn from the successes and failures of the current policy. Our findings suggest that the subsidy design, which makes rising premiums costlier for younger adults looking to purchase an entry-level plan, may be contributing to adverse selection and instability in the marketplace.

Captive insurance companies.

PubMed

Strauss, Peter

2014-01-01

The landscape of the business world is changing; and now, more than ever, business owners are recognizing that life is filled with risks: known risk, calculated risk, and unexpected risk. Every day, businesses thrive or fail based on understanding the risk of owning and operating their business, and business owners are recognizing that there are alternative risk financing mechanisms other than simply taking out a basket of standard coverage as recommended by your friendly neighborhood agent. A captive insurance company is an insurance company established to provide a broad range of risk management capabilities to affiliated companies. The captive is owned by the business owner and can provide insurance to the business for potential future losses, whether or not the losses are already covered by a commercial carrier or are "self-insured." The premiums paid by your business are tax deductible. Meanwhile, the premiums that your captive collects are tax-free up to $1.2 million annually.

Health Insurance Marketplaces: Premium Trends in Rural Areas.

PubMed

Barker, Abigail R; Kemper, Leah M; McBride, Timothy D; Meuller, Keith J

2016-05-01

Since 2014, when the Health Insurance Marketplaces (HIMs) authorized by the Patient Protection and Affordable Care Act (ACA) were implemented, considerable premium changes have been observed in the marketplaces across the 50 states and the District of Columbia. This policy brief assesses the changes in average HIM plan premiums from 2014 to 2016, before accounting for subsidies, with an emphasis on the widening variation across rural and urban places. Since this brief focuses on premiums without accounting for subsidies, this is not intended to be an analysis of the "affordability" of ACA premiums, as that would require assessment of premiums, cost-sharing adjustments, and other factors.

Is there evidence that recent consolidation in the health insurance industry has adversely affected premiums?

PubMed

Kopit, William G

2004-01-01

James Robinson suggests that recent consolidation in the insurance market has been a cause of higher health insurance prices (premiums). Although the recent consolidation among health insurers and rising premiums are indisputable, it is unlikely that consolidation has had any adverse effect on premiums nationwide, and Robinson provides no data that suggest otherwise. Specifically, he does not present data showing an increase in concentration in any relevant market during the past few years, let alone any resulting increase in premiums. Health insurance consolidation in certain local markets could adversely affect premiums, but it seems clear that it is not a major national antitrust issue.

24 CFR 266.610 - Method of payment of mortgage insurance premiums.

Code of Federal Regulations, 2010 CFR

2010-04-01

... insurance premiums. 266.610 Section 266.610 Housing and Urban Development Regulations Relating to Housing... MULTIFAMILY PROJECT LOANS Contract Rights and Obligations Mortgage Insurance Premiums § 266.610 Method of payment of mortgage insurance premiums. In the cases that the Commissioner deems appropriate, the...

24 CFR 220.804 - Insurance premiums.

Code of Federal Regulations, 2010 CFR

2010-04-01

... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Insurance premiums. 220.804 Section... and Obligations-Projects Insured Project Improvement Loans § 220.804 Insurance premiums. (a) First premium. The lender, upon the initial endorsement of the loan for insurance, shall pay to the Commissioner...

31 CFR 337.8 - Payment of mortgage insurance premiums.

Code of Federal Regulations, 2010 CFR

2010-07-01

... insurance premiums. When certificated debentures are tendered for purchase prior to maturity in order that the proceeds thereof be applied to pay for mortgage insurance premiums, any difference between the amount of the debentures purchased and the amount of the mortgage insurance premium will generally be...

24 CFR 266.610 - Method of payment of mortgage insurance premiums.

Code of Federal Regulations, 2011 CFR

2011-04-01

... insurance premiums. 266.610 Section 266.610 Housing and Urban Development Regulations Relating to Housing... MULTIFAMILY PROJECT LOANS Contract Rights and Obligations Mortgage Insurance Premiums § 266.610 Method of payment of mortgage insurance premiums. In the cases that the Commissioner deems appropriate, the...

24 CFR 220.804 - Insurance premiums.

Code of Federal Regulations, 2011 CFR

2011-04-01

... 24 Housing and Urban Development 2 2011-04-01 2011-04-01 false Insurance premiums. 220.804 Section... and Obligations-Projects Insured Project Improvement Loans § 220.804 Insurance premiums. (a) First premium. The lender, upon the initial endorsement of the loan for insurance, shall pay to the Commissioner...

76 FR 40741 - Federal Housing Administration (FHA) Mortgage Insurance Premiums for Multifamily Housing Programs...

Federal Register 2010, 2011, 2012, 2013, 2014

2011-07-11

... Administration (FHA) Mortgage Insurance Premiums for Multifamily Housing Programs, Health Care Facilities and... mortgage insurance premiums (MIPs) for FHA Multifamily Housing, Health Care Facilities, and Hospital... implement any premium changes for FY 2011 for the multifamily mortgage insurance programs, health care...

46 CFR 308.514 - Return premium.

Code of Federal Regulations, 2011 CFR

2011-10-01

... 46 Shipping 8 2011-10-01 2011-10-01 false Return premium. 308.514 Section 308.514 Shipping MARITIME ADMINISTRATION, DEPARTMENT OF TRANSPORTATION EMERGENCY OPERATIONS WAR RISK INSURANCE War Risk Cargo Insurance Ii-Open Policy War Risk Cargo Insurance § 308.514 Return premium. No premium will be...

46 CFR 308.514 - Return premium.

Code of Federal Regulations, 2013 CFR

2013-10-01

... 46 Shipping 8 2013-10-01 2013-10-01 false Return premium. 308.514 Section 308.514 Shipping MARITIME ADMINISTRATION, DEPARTMENT OF TRANSPORTATION EMERGENCY OPERATIONS WAR RISK INSURANCE War Risk Cargo Insurance Ii-Open Policy War Risk Cargo Insurance § 308.514 Return premium. No premium will be...

46 CFR 308.514 - Return premium.

Code of Federal Regulations, 2010 CFR

2010-10-01

... 46 Shipping 8 2010-10-01 2010-10-01 false Return premium. 308.514 Section 308.514 Shipping MARITIME ADMINISTRATION, DEPARTMENT OF TRANSPORTATION EMERGENCY OPERATIONS WAR RISK INSURANCE War Risk Cargo Insurance Ii-Open Policy War Risk Cargo Insurance § 308.514 Return premium. No premium will be...

46 CFR 308.514 - Return premium.

Code of Federal Regulations, 2012 CFR

2012-10-01

... 46 Shipping 8 2012-10-01 2012-10-01 false Return premium. 308.514 Section 308.514 Shipping MARITIME ADMINISTRATION, DEPARTMENT OF TRANSPORTATION EMERGENCY OPERATIONS WAR RISK INSURANCE War Risk Cargo Insurance Ii-Open Policy War Risk Cargo Insurance § 308.514 Return premium. No premium will be...

Effects of a Municipal Government's Worksite Exercise Program on Employee Absenteeism, Health Care Costs, and Variables Associated with Participation.

ERIC Educational Resources Information Center

Pruett, Angela W.; Howze, Elizabeth H.

The Blacksburg (Virginia) municipal government's worksite exercise program, developed in response to rising health insurance premiums, was evaluated to determine its effect on health care costs and employee absenteeism. Thirty-two employees who participated in the program for 4.5 years were compared to 32 nonparticipating employees. The program…

In Second Year Of Marketplaces, New Entrants, ACA 'Co-Ops,' And Medicaid Plans Restrain Average Premium Growth Rates.

PubMed

Gabel, Jon R; Whitmore, Heidi; Green, Matthew; Stromberg, Sam T; Weinstein, Daniel S; Oran, Rebecca

2015-12-01

Premiums for health insurance plans offered through the federally facilitated and state-based Marketplaces remained steady or increased only modestly from 2014 to 2015. We used data from the Marketplaces, state insurance departments, and insurer websites to examine patterns of premium pricing and the factors behind these patterns. Our data came from 2,964 unique plans offered in 2014 and 4,153 unique plans offered in 2015 in forty-nine states and the District of Columbia. Using descriptive and multivariate analysis, we found that the addition of a carrier in a rating area lowered average premiums for the two lowest-cost silver plans and the lowest-cost bronze plan by 2.2 percent. When all plans in a rating area were included, an additional carrier was associated with an average decline in premiums of 1.4 percent. Plans in the Consumer Operated and Oriented Plan Program and Medicaid managed care plans had lower premiums and average premium increases than national commercial and Blue Cross and Blue Shield plans. On average, premiums fell by an appreciably larger amount for catastrophic and bronze plans than for gold plans, and premiums for platinum plans increased. This trend of low premium increases overall is unlikely to continue, however, as insurers are faced with mounting medical claims. Project HOPE—The People-to-People Health Foundation, Inc.

CALiPER Report 21.3: Cost-Effectiveness of Linear (T8) LED Lamps

DOE Office of Scientific and Technical Information (OSTI.GOV)

Miller, Naomi J.; Perrin, Tess E.; Royer, Michael P.

2014-05-27

Meeting performance expectations is important for driving adoption of linear LED lamps, but cost-effectiveness may be an overriding factor in many cases. Linear LED lamps cost more initially than fluorescent lamps, but energy and maintenance savings may mean that the life-cycle cost is lower. This report details a series of life-cycle cost simulations that compared a two-lamp troffer using LED lamps (38 W total power draw) or fluorescent lamps (51 W total power draw) over a 10-year study period. Variables included LED system cost ($40, $80, or $120), annual operating hours (2,000 hours or 4,000 hours), LED installation time (15more » minutes or 30 minutes), and melded electricity rate ($0.06/kWh, $0.12/kWh, $0.18/kWh, or $0.24/kWh). A full factorial of simulations allows users to interpolate between these values to aid in making rough estimates of economic feasibility for their own projects. In general, while their initial cost premium remains high, linear LED lamps are more likely to be cost-effective when electric utility rates are higher than average and hours of operation are long, and if their installation time is shorter.« less

CALiPER Report 21.3. Cost Effectiveness of Linear (T8) LED Lamps

DOE Office of Scientific and Technical Information (OSTI.GOV)

None

2014-05-01

Meeting performance expectations is important for driving adoption of linear LED lamps, but cost-effectiveness may be an overriding factor in many cases. Linear LED lamps cost more initially than fluorescent lamps, but energy and maintenance savings may mean that the life-cycle cost is lower. This report details a series of life-cycle cost simulations that compared a two-lamp troffer using LED lamps (38 W total power draw) or fluorescent lamps (51 W total power draw) over a 10-year study period. Variables included LED system cost ($40, $80, or $120), annual operating hours (2,000 hours or 4,000 hours), LED installation time (15more » minutes or 30 minutes), and melded electricity rate ($0.06/kWh, $0.12/kWh, $0.18/kWh, or $0.24/kWh). A full factorial of simulations allows users to interpolate between these values to aid in making rough estimates of economic feasibility for their own projects. In general, while their initial cost premium remains high, linear LED lamps are more likely to be cost-effective when electric utility rates are higher than average and hours of operation are long, and if their installation time is shorter.« less

42 CFR 423.780 - Premium subsidy.

Code of Federal Regulations, 2010 CFR

2010-10-01

...) MEDICARE PROGRAM VOLUNTARY MEDICARE PRESCRIPTION DRUG BENEFIT Premiums and Cost-Sharing Subsidies for Low... 42 Public Health 3 2010-10-01 2010-10-01 false Premium subsidy. 423.780 Section 423.780 Public...-service plans or 1876 cost plans) in a PDP region in the reference month. (ii) Premium amounts. The...

42 CFR 422.262 - Beneficiary premiums.

Code of Federal Regulations, 2011 CFR

2011-10-01

... and Plan Approval § 422.262 Beneficiary premiums. (a) Determination of MA monthly basic beneficiary premium. (1) For an MA plan with an unadjusted statutory non-drug bid amount that is less than the relevant unadjusted non-drug benchmark amount, the basic beneficiary premium is zero. (2) For an MA plan...

42 CFR 422.262 - Beneficiary premiums.

Code of Federal Regulations, 2012 CFR

2012-10-01

... Information and Plan Approval § 422.262 Beneficiary premiums. (a) Determination of MA monthly basic beneficiary premium. (1) For an MA plan with an unadjusted statutory non-drug bid amount that is less than the relevant unadjusted non-drug benchmark amount, the basic beneficiary premium is zero. (2) For an MA plan...

42 CFR 422.262 - Beneficiary premiums.

Code of Federal Regulations, 2013 CFR

2013-10-01

... Information and Plan Approval § 422.262 Beneficiary premiums. (a) Determination of MA monthly basic beneficiary premium. (1) For an MA plan with an unadjusted statutory non-drug bid amount that is less than the relevant unadjusted non-drug benchmark amount, the basic beneficiary premium is zero. (2) For an MA plan...

42 CFR 422.262 - Beneficiary premiums.

Code of Federal Regulations, 2010 CFR

2010-10-01

... and Plan Approval § 422.262 Beneficiary premiums. (a) Determination of MA monthly basic beneficiary premium. (1) For an MA plan with an unadjusted statutory non-drug bid amount that is less than the relevant unadjusted non-drug benchmark amount, the basic beneficiary premium is zero. (2) For an MA plan...

42 CFR 422.262 - Beneficiary premiums.

Code of Federal Regulations, 2014 CFR

2014-10-01

... Information and Plan Approval § 422.262 Beneficiary premiums. (a) Determination of MA monthly basic beneficiary premium. (1) For an MA plan with an unadjusted statutory non-drug bid amount that is less than the relevant unadjusted non-drug benchmark amount, the basic beneficiary premium is zero. (2) For an MA plan...

29 CFR 4006.4 - Determination of unfunded vested benefits.

Code of Federal Regulations, 2014 CFR

2014-07-01

... effect, its alternative premium funding target under § 4006.5(g). (2) Standard premium funding target. A... the UVB valuation year is the excess (if any) of the plan's premium funding target for the UVB... consistent with generally accepted actuarial principles and practices. (b) Premium funding target—(1) In...

49 CFR 260.17 - Credit risk premium analysis.

Code of Federal Regulations, 2010 CFR

2010-10-01

... 49 Transportation 4 2010-10-01 2010-10-01 false Credit risk premium analysis. 260.17 Section 260... Financial Assistance § 260.17 Credit risk premium analysis. (a) When Federal appropriations are not available to cover the total subsidy cost, the Administrator will determine the Credit Risk Premium...

49 CFR 260.15 - Credit risk premium.

Code of Federal Regulations, 2010 CFR

2010-10-01

... 49 Transportation 4 2010-10-01 2010-10-01 false Credit risk premium. 260.15 Section 260.15... REHABILITATION AND IMPROVEMENT FINANCING PROGRAM Overview § 260.15 Credit risk premium. (a) Where available... pay to the Administrator a Credit Risk Premium adequate to cover that portion of the subsidy cost not...

5 CFR 892.203 - When will my premium conversion begin?

Code of Federal Regulations, 2010 CFR

2010-01-01

... 5 Administrative Personnel 2 2010-01-01 2010-01-01 false When will my premium conversion begin? 892.203 Section 892.203 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT (CONTINUED) CIVIL... PREMIUMS Eligibility and Participation § 892.203 When will my premium conversion begin? If you are newly...

5 CFR 892.203 - When will my premium conversion begin?

Code of Federal Regulations, 2011 CFR

2011-01-01

... 5 Administrative Personnel 2 2011-01-01 2011-01-01 false When will my premium conversion begin? 892.203 Section 892.203 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT (CONTINUED) CIVIL... PREMIUMS Eligibility and Participation § 892.203 When will my premium conversion begin? If you are newly...

24 CFR 266.608 - Mortgage insurance premium: Pro rata refund.

Code of Federal Regulations, 2010 CFR

2010-04-01

... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Mortgage insurance premium: Pro... PROJECT LOANS Contract Rights and Obligations Mortgage Insurance Premiums § 266.608 Mortgage insurance premium: Pro rata refund. If the Contract of Insurance is terminated by payment in full or is terminated...

7 CFR 1962.29 - Payment of fees and insurance premiums.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 14 2010-01-01 2009-01-01 true Payment of fees and insurance premiums. 1962.29... Security § 1962.29 Payment of fees and insurance premiums. (a) Fees. (1) Security instruments. Borrowers... the service cannot be obtained without cost. (b) Insurance premiums. County Supervisors are authorized...

24 CFR 236.252 - First, second, and third mortgage insurance premiums.

Code of Federal Regulations, 2010 CFR

2010-04-01

... insurance premiums. 236.252 Section 236.252 Housing and Urban Development Regulations Relating to Housing... insurance premiums. All of the provisions of § 207.252 of this chapter governing the first, second, and third mortgage insurance premiums shall apply to mortgages insured under this subpart, except: (a) Where...

24 CFR 206.107 - Mortgagee election of assignment or shared premium option.

Code of Federal Regulations, 2010 CFR

2010-04-01

... Obligations Mortgage Insurance Premiums § 206.107 Mortgagee election of assignment or shared premium option... shared premium option. 206.107 Section 206.107 Housing and Urban Development Regulations Relating to... COMMISSIONER, DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL...

26 CFR 1.6050H-3T - Information reporting of mortgage insurance premiums (temporary).

Code of Federal Regulations, 2010 CFR

2010-04-01

... Information reporting of mortgage insurance premiums (temporary). (a) Information reporting requirements. Any... section applies to the receipt of all payments of mortgage insurance premiums, by cash or financing... premiums is determined on a mortgage-by-mortgage basis. A recipient need not aggregate mortgage insurance...

24 CFR 251.6 - Method of payment of mortgage insurance premiums.

Code of Federal Regulations, 2010 CFR

2010-04-01

... insurance premiums. 251.6 Section 251.6 Housing and Urban Development Regulations Relating to Housing and... HOUSING PROJECTS § 251.6 Method of payment of mortgage insurance premiums. In the cases that the... affected lenders, that mortgage insurance premiums be remitted electronically. [63 FR 1303, Jan. 8, 1998] ...

24 CFR 241.1030 - Mortgage insurance premiums.

Code of Federal Regulations, 2010 CFR

2010-04-01

... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Mortgage insurance premiums. 241... Loans-Eligibility Requirements § 241.1030 Mortgage insurance premiums. The lender, upon endorsement of the note, shall pay the Commissioner a first mortgage insurance premium equal to 0.5 percent of the...

24 CFR 203.260 - Amount of mortgage insurance premium (periodic MIP).

Code of Federal Regulations, 2010 CFR

2010-04-01

... Mortgage Insurance Premiums-Periodic Payment § 203.260 Amount of mortgage insurance premium (periodic MIP... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Amount of mortgage insurance premium (periodic MIP). 203.260 Section 203.260 Housing and Urban Development Regulations Relating to...

24 CFR 221.254 - Mortgage insurance premiums.

Code of Federal Regulations, 2010 CFR

2010-04-01

... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Mortgage insurance premiums. 221... Cost Homes § 221.254 Mortgage insurance premiums. (a) All of the provisions of §§ 203.260 through 203.295 of this chapter relating to mortgage insurance premiums shall apply to mortgages insured under...

24 CFR 266.606 - Mortgage insurance premium: Duration and method of paying.

Code of Federal Regulations, 2010 CFR

2010-04-01

... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Mortgage insurance premium... AFFORDABLE MULTIFAMILY PROJECT LOANS Contract Rights and Obligations Mortgage Insurance Premiums § 266.606 Mortgage insurance premium: Duration and method of paying. (a) Duration of payments. Mortgage insurance...

24 CFR 203.443 - Insurance premium.

Code of Federal Regulations, 2010 CFR

2010-04-01

... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Insurance premium. 203.443 Section... premium. All of the provisions of §§ 203.260 through 203.269 1 concerning mortgage insurance premiums... DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES SINGLE...

24 CFR 2700.315 - Insurance premium.

Code of Federal Regulations, 2011 CFR

2011-04-01

... 24 Housing and Urban Development 5 2011-04-01 2011-04-01 false Insurance premium. 2700.315 Section... HOMEOWNERS' LOAN PROGRAM Mortgage Insurance § 2700.315 Insurance premium. (a) At such times as may be prescribed by HUD, the participating lender shall pay to HUD a mortgage insurance premium equal to one-half...

24 CFR 236.252 - First, second, and third mortgage insurance premiums.

Code of Federal Regulations, 2011 CFR

2011-04-01

... insurance premiums. 236.252 Section 236.252 Housing and Urban Development Regulations Relating to Housing... insurance premiums. All of the provisions of § 207.252 of this chapter governing the first, second, and third mortgage insurance premiums shall apply to mortgages insured under this subpart, except: (a) Where...

24 CFR 241.1030 - Mortgage insurance premiums.

Code of Federal Regulations, 2011 CFR

2011-04-01

... 24 Housing and Urban Development 2 2011-04-01 2011-04-01 false Mortgage insurance premiums. 241... Loans-Eligibility Requirements § 241.1030 Mortgage insurance premiums. The lender, upon endorsement of the note, shall pay the Commissioner a first mortgage insurance premium equal to 0.5 percent of the...

24 CFR 203.443 - Insurance premium.

Code of Federal Regulations, 2011 CFR

2011-04-01

... 24 Housing and Urban Development 2 2011-04-01 2011-04-01 false Insurance premium. 203.443 Section... premium. All of the provisions of §§ 203.260 through 203.269 1 concerning mortgage insurance premiums... DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES SINGLE...

7 CFR 1962.29 - Payment of fees and insurance premiums.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 7 Agriculture 14 2011-01-01 2011-01-01 false Payment of fees and insurance premiums. 1962.29... Security § 1962.29 Payment of fees and insurance premiums. (a) Fees. (1) Security instruments. Borrowers... the service cannot be obtained without cost. (b) Insurance premiums. County Supervisors are authorized...

12 CFR 741.4 - Insurance premium and one percent deposit.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 12 Banks and Banking 6 2011-01-01 2011-01-01 false Insurance premium and one percent deposit. 741... Insurance premium and one percent deposit. (a) Scope. This section implements the requirements of Section... payment of an insurance premium. (b) Definitions. For purposes of this section: Available assets ratio...

24 CFR 251.6 - Method of payment of mortgage insurance premiums.

Code of Federal Regulations, 2011 CFR

2011-04-01

... insurance premiums. 251.6 Section 251.6 Housing and Urban Development Regulations Relating to Housing and... HOUSING PROJECTS § 251.6 Method of payment of mortgage insurance premiums. In the cases that the... affected lenders, that mortgage insurance premiums be remitted electronically. [63 FR 1303, Jan. 8, 1998] ...

24 CFR 203.260 - Amount of mortgage insurance premium (periodic MIP).

Code of Federal Regulations, 2011 CFR

2011-04-01

... Mortgage Insurance Premiums-Periodic Payment § 203.260 Amount of mortgage insurance premium (periodic MIP... 24 Housing and Urban Development 2 2011-04-01 2011-04-01 false Amount of mortgage insurance premium (periodic MIP). 203.260 Section 203.260 Housing and Urban Development Regulations Relating to...

24 CFR 221.254 - Mortgage insurance premiums.

Code of Federal Regulations, 2011 CFR

2011-04-01

... 24 Housing and Urban Development 2 2011-04-01 2011-04-01 false Mortgage insurance premiums. 221... Cost Homes § 221.254 Mortgage insurance premiums. (a) All of the provisions of §§ 203.260 through 203.295 of this chapter relating to mortgage insurance premiums shall apply to mortgages insured under...

24 CFR 266.606 - Mortgage insurance premium: Duration and method of paying.

Code of Federal Regulations, 2011 CFR

2011-04-01

... 24 Housing and Urban Development 2 2011-04-01 2011-04-01 false Mortgage insurance premium... AFFORDABLE MULTIFAMILY PROJECT LOANS Contract Rights and Obligations Mortgage Insurance Premiums § 266.606 Mortgage insurance premium: Duration and method of paying. (a) Duration of payments. Mortgage insurance...

24 CFR 266.608 - Mortgage insurance premium: Pro rata refund.

Code of Federal Regulations, 2011 CFR

2011-04-01

... 24 Housing and Urban Development 2 2011-04-01 2011-04-01 false Mortgage insurance premium: Pro... PROJECT LOANS Contract Rights and Obligations Mortgage Insurance Premiums § 266.608 Mortgage insurance premium: Pro rata refund. If the Contract of Insurance is terminated by payment in full or is terminated...

24 CFR 206.107 - Mortgagee election of assignment or shared premium option.

Code of Federal Regulations, 2011 CFR

2011-04-01

... Obligations Mortgage Insurance Premiums § 206.107 Mortgagee election of assignment or shared premium option... shared premium option. 206.107 Section 206.107 Housing and Urban Development Regulations Relating to... COMMISSIONER, DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL...

31 CFR 337.8 - Payment of mortgage insurance premiums.

Code of Federal Regulations, 2011 CFR

2011-07-01

... 31 Money and Finance:Treasury 2 2011-07-01 2011-07-01 false Payment of mortgage insurance premiums... proceeds thereof be applied to pay for mortgage insurance premiums, any difference between the amount of the debentures purchased and the amount of the mortgage insurance premium will generally be issued to...

5 CFR 894.505 - Are retroactive premiums paid with pre-tax dollars (premium conversion)?

Code of Federal Regulations, 2010 CFR

2010-01-01

... 5 Administrative Personnel 2 2010-01-01 2010-01-01 false Are retroactive premiums paid with pre-tax dollars (premium conversion)? 894.505 Section 894.505 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT (CONTINUED) CIVIL SERVICE REGULATIONS (CONTINUED) FEDERAL EMPLOYEES DENTAL AND VISION INSURANCE...

5 CFR 894.505 - Are retroactive premiums paid with pre-tax dollars (premium conversion)?

Code of Federal Regulations, 2011 CFR

2011-01-01

... 5 Administrative Personnel 2 2011-01-01 2011-01-01 false Are retroactive premiums paid with pre-tax dollars (premium conversion)? 894.505 Section 894.505 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT (CONTINUED) CIVIL SERVICE REGULATIONS (CONTINUED) FEDERAL EMPLOYEES DENTAL AND VISION INSURANCE...

44 CFR 61.8 - Applicability of risk premium rates.

Code of Federal Regulations, 2010 CFR

2010-10-01

... 44 Emergency Management and Assistance 1 2010-10-01 2010-10-01 false Applicability of risk premium rates. 61.8 Section 61.8 Emergency Management and Assistance FEDERAL EMERGENCY MANAGEMENT AGENCY... COVERAGE AND RATES § 61.8 Applicability of risk premium rates. Risk premium rates are applicable to all...

44 CFR 61.7 - Risk premium rate determinations.

Code of Federal Regulations, 2010 CFR

2010-10-01

... 44 Emergency Management and Assistance 1 2010-10-01 2010-10-01 false Risk premium rate... COVERAGE AND RATES § 61.7 Risk premium rate determinations. (a) Pursuant to section 1307 of the Act, the... estimate the risk premium rates necessary to provide flood insurance in accordance with accepted actuarial...

26 CFR 1.848-0 - Outline of regulations under section 848.

Code of Federal Regulations, 2010 CFR

2010-04-01

... certain reinsurance agreements. (b) Gross amount of premiums and other consideration. (1) General rule. (2... the payment of premiums. (iii) Retired lives reserves. (4) Deferred and uncollected premiums. (c... excluded from the gross amount of premiums and other consideration. (1) In general. (2) Amounts received or...

48 CFR 1632.170 - Recurring premium payments to carriers.

Code of Federal Regulations, 2010 CFR

2010-10-01

... multiplied by the carrier's total net-to-carrier premium dollars paid for the preceding contract period. The... 48 Federal Acquisition Regulations System 6 2010-10-01 2010-10-01 true Recurring premium payments... FINANCING General 1632.170 Recurring premium payments to carriers. (a)(1) Recurring payments to carriers of...

26 CFR 1.125-3 - Effect of the Family and Medical Leave Act (FMLA) on the operation of cafeteria plans.

Code of Federal Regulations, 2010 CFR

2010-04-01

...: FMLA does not require an employer to maintain an employee's non-health benefits (e.g., life insurance...: May an employee revoke coverage or cease payment of his or her share of group health plan premiums... returns to work. FMLA also provides the employee a right to be reinstated in the group health plan...

Premium increases in state health insurance programs: lessons from a case study of the Massachusetts Medicaid buy-in program.

PubMed

Livermore, Gina A; Goodman, Nanette; Hooven, Fred; Hashemi, Lobat

In March 2003, Massachusetts increased the premiums it charges to most enrollees in its CommonHealth-Working (CH-W) program. This study evaluates the impact of the premium change on disenrollment using a comparison group methodology. The findings indicate that the premium change had only a small, but statistically significant impact on program exits. The CH-W experience differs from other state programs that saw substantial enrollment declines in response to new or increased premiums. This is likely due to factors that make CH-W different from other programs, key of which are administrative procedures intended to minimize disenrollment due to premium nonpayment.

A functional model for monitoring equity and effectiveness in purchasing health insurance premiums for the poor: evidence from Cambodia and the Lao PDR.

PubMed

Annear, Peter Leslie; Bigdeli, Maryam; Jacobs, Bart

2011-10-01

To assess the impact on equity and effectiveness of introducing targeted subsidies for the poor into existing voluntary health insurance schemes in Low Income Countries with special reference to cross-subsidisation. A functional model was constructed using routine collected financial data to analyse changes in financial flows and resulting shifts in cross-subsidization between poor and non-poor. Data were collected from two sites, in Cambodia at Kampot operational health district and in the Lao People's Democratic Republic at Nambak district. Six key variables were identified as determining the financial flows between the subsidy and the insurance schemes and with health providers: population coverage, premium rate, facility contact rate, capitation rate, cost of treatment and changes in administration costs. Negative cross-subsidization was revealed where capitation was used as the payment mechanism and where utilisation rates of the poor were significantly below the non-poor. The same level of access for the poor could have been achieved with a lower Health Equity Fund subsidy if used as a direct reimbursement of user charges by the Health Equity Fund to the provider rather than through the Community Based Health Insurance scheme. Purchasing premiums for the poor under these conditions is more costly than direct reimbursement to the provider for the same level of service delivery. Negative cross-subsidization is a serious risk that must be managed appropriately and the benefits of a larger risk pool (cross-subsidization of the poor) are not evident. Benefits from combined coverage may accrue in the longer term with an expanded base of voluntary payers or when those with subsidized premiums are lifted out of poverty. Copyright © 2011 Elsevier Ireland Ltd. All rights reserved.

24 CFR 213.260 - Allowable methods of premium payment.

Code of Federal Regulations, 2012 CFR

2012-04-01

... 24 Housing and Urban Development 2 2012-04-01 2012-04-01 false Allowable methods of premium payment. 213.260 Section 213.260 Housing and Urban Development Regulations Relating to Housing and Urban... Allowable methods of premium payment. Premiums shall be payable in cash or in debentures at par plus accrued...

24 CFR 213.260 - Allowable methods of premium payment.

Code of Federal Regulations, 2011 CFR

2011-04-01

... 24 Housing and Urban Development 2 2011-04-01 2011-04-01 false Allowable methods of premium payment. 213.260 Section 213.260 Housing and Urban Development Regulations Relating to Housing and Urban... Allowable methods of premium payment. Premiums shall be payable in cash or in debentures at par plus accrued...

24 CFR 213.260 - Allowable methods of premium payment.

Code of Federal Regulations, 2010 CFR

2010-04-01

... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Allowable methods of premium payment. 213.260 Section 213.260 Housing and Urban Development Regulations Relating to Housing and Urban... Allowable methods of premium payment. Premiums shall be payable in cash or in debentures at par plus accrued...

24 CFR 213.260 - Allowable methods of premium payment.

Code of Federal Regulations, 2013 CFR

2013-04-01

... 24 Housing and Urban Development 2 2013-04-01 2013-04-01 false Allowable methods of premium payment. 213.260 Section 213.260 Housing and Urban Development Regulations Relating to Housing and Urban... Allowable methods of premium payment. Premiums shall be payable in cash or in debentures at par plus accrued...

24 CFR 213.260 - Allowable methods of premium payment.

Code of Federal Regulations, 2014 CFR

2014-04-01

... 24 Housing and Urban Development 2 2014-04-01 2014-04-01 false Allowable methods of premium payment. 213.260 Section 213.260 Housing and Urban Development Regulations Relating to Housing and Urban... Allowable methods of premium payment. Premiums shall be payable in cash or in debentures at par plus accrued...

24 CFR 203.22 - Payment of insurance premiums or charges; prepayment privilege.

Code of Federal Regulations, 2010 CFR

2010-04-01

... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Payment of insurance premiums or... Underwriting Procedures Eligible Mortgages § 203.22 Payment of insurance premiums or charges; prepayment privilege. (a) Payment of periodic insurance premiums or charges. Except with respect to mortgages for which...

24 CFR 232.825 - Pro rata refund of insurance premium.

Code of Federal Regulations, 2010 CFR

2010-04-01

... ASSISTED LIVING FACILITIES Contract Rights and Obligations Premiums § 232.825 Pro rata refund of insurance premium. Upon termination of a loan insurance contract by a payment in full or by a voluntary termination... rata portion of the current annual loan insurance premium theretofore paid which is applicable to the...

24 CFR 203.462 - Pro rata payment of premium before termination.

Code of Federal Regulations, 2010 CFR

2010-04-01

... Pro rata payment of premium before termination. No contract of insurance shall be terminated until the lender has paid to the Commissioner the pro rata portion of the current annual insurance premium. ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Pro rata payment of premium before...

24 CFR 203.22 - Payment of insurance premiums or charges; prepayment privilege.

Code of Federal Regulations, 2011 CFR

2011-04-01

... 24 Housing and Urban Development 2 2011-04-01 2011-04-01 false Payment of insurance premiums or... Underwriting Procedures Eligible Mortgages § 203.22 Payment of insurance premiums or charges; prepayment privilege. (a) Payment of periodic insurance premiums or charges. Except with respect to mortgages for which...

24 CFR 232.825 - Pro rata refund of insurance premium.

Code of Federal Regulations, 2011 CFR

2011-04-01

... ASSISTED LIVING FACILITIES Contract Rights and Obligations Premiums § 232.825 Pro rata refund of insurance premium. Upon termination of a loan insurance contract by a payment in full or by a voluntary termination... rata portion of the current annual loan insurance premium theretofore paid which is applicable to the...

24 CFR 241.825 - Pro rata refund of insurance premium.

Code of Federal Regulations, 2011 CFR

2011-04-01

... Projects Without a HUD-Insured or HUD-Held Mortgage Premiums § 241.825 Pro rata refund of insurance premium... of the current annual loan insurance premium theretofore paid which is applicable to the portion of... 24 Housing and Urban Development 2 2011-04-01 2011-04-01 false Pro rata refund of insurance...

26 CFR 1.6050H-3T - Information reporting of mortgage insurance premiums (temporary).

Code of Federal Regulations, 2011 CFR

2011-04-01

....6050H-3T Information reporting of mortgage insurance premiums (temporary). (a) Information reporting... premiums, for mortgage insurance (as described in paragraph (b) of this section) from any individual... paragraph (a) of this section applies to the receipt of all payments of mortgage insurance premiums, by cash...

24 CFR 203.462 - Pro rata payment of premium before termination.

Code of Federal Regulations, 2011 CFR

2011-04-01

... Pro rata payment of premium before termination. No contract of insurance shall be terminated until the lender has paid to the Commissioner the pro rata portion of the current annual insurance premium. ... 24 Housing and Urban Development 2 2011-04-01 2011-04-01 false Pro rata payment of premium before...

42 CFR 423.780 - Premium subsidy.

Code of Federal Regulations, 2013 CFR

2013-10-01

... amount. (b) Premium subsidy amount. (1) The premium subsidy amount is equal to the lesser of— (i) Under... beneficiary premium attributable to basic prescription drug coverage (for enrollees in MA-PD plans); or (ii..., with the weight for each PDP and MA-PD plan equal to a percentage, the numerator being equal to the...

42 CFR 423.780 - Premium subsidy.

Code of Federal Regulations, 2014 CFR

2014-10-01

... amount. (b) Premium subsidy amount. (1) The premium subsidy amount is equal to the lesser of— (i) Under... beneficiary premium attributable to basic prescription drug coverage (for enrollees in MA-PD plans); or (ii..., with the weight for each PDP and MA-PD plan equal to a percentage, the numerator being equal to the...

42 CFR 423.780 - Premium subsidy.

Code of Federal Regulations, 2011 CFR

2011-10-01

.... (b) Premium subsidy amount. (1) The premium subsidy amount is equal to the lesser of— (i) Under the... premium attributable to basic prescription drug coverage (for enrollees in MA-PD plans); or (ii) The... for each PDP and MA-PD plan equal to a percentage, the numerator being equal to the number of Part D...

42 CFR 423.780 - Premium subsidy.

Code of Federal Regulations, 2012 CFR

2012-10-01

... amount. (b) Premium subsidy amount. (1) The premium subsidy amount is equal to the lesser of— (i) Under... beneficiary premium attributable to basic prescription drug coverage (for enrollees in MA-PD plans); or (ii..., with the weight for each PDP and MA-PD plan equal to a percentage, the numerator being equal to the...

5 CFR 875.302 - What are the options for making premium payments?

Code of Federal Regulations, 2010 CFR

2010-01-01

... 5 Administrative Personnel 2 2010-01-01 2010-01-01 false What are the options for making premium payments? 875.302 Section 875.302 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT (CONTINUED) CIVIL... options for making premium payments? (a) Premium payments may be made by Federal payroll or annuity...

29 CFR 4007.8 - Late payment penalty charges.

Code of Federal Regulations, 2010 CFR

2010-07-01

... administrator reports— (i) The fair market value of the plan's assets for the premium payment year, and (ii) An estimate of the plan's premium funding target for the premium payment year that is certified by an enrolled... determined from the value of assets and estimated premium funding target so reported. [64 FR 66385, Nov. 26...

7 CFR 400.710 - Preemption and premium taxation.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 6 2010-01-01 2010-01-01 false Preemption and premium taxation. 400.710 Section 400... of Policies and Rates of Premium § 400.710 Preemption and premium taxation. A policy or plan of insurance that is approved by the Board for FCIC reinsurance is preempted from state and local taxation. ...

45 CFR 162.1702 - Standards for health plan premium payments transaction.

Code of Federal Regulations, 2012 CFR

2012-10-01

... 45 Public Welfare 1 2012-10-01 2012-10-01 false Standards for health plan premium payments transaction. 162.1702 Section 162.1702 Public Welfare DEPARTMENT OF HEALTH AND HUMAN SERVICES ADMINISTRATIVE DATA STANDARDS AND RELATED REQUIREMENTS ADMINISTRATIVE REQUIREMENTS Health Plan Premium Payments § 162.1702 Standards for health plan premium...

45 CFR 162.1702 - Standards for health plan premium payments transaction.

Code of Federal Regulations, 2011 CFR

2011-10-01

... 45 Public Welfare 1 2011-10-01 2011-10-01 false Standards for health plan premium payments transaction. 162.1702 Section 162.1702 Public Welfare DEPARTMENT OF HEALTH AND HUMAN SERVICES ADMINISTRATIVE DATA STANDARDS AND RELATED REQUIREMENTS ADMINISTRATIVE REQUIREMENTS Health Plan Premium Payments § 162.1702 Standards for health plan premium...

45 CFR 162.1702 - Standards for health plan premium payments transaction.

Code of Federal Regulations, 2014 CFR

2014-10-01

... 45 Public Welfare 1 2014-10-01 2014-10-01 false Standards for health plan premium payments transaction. 162.1702 Section 162.1702 Public Welfare Department of Health and Human Services ADMINISTRATIVE DATA STANDARDS AND RELATED REQUIREMENTS ADMINISTRATIVE REQUIREMENTS Health Plan Premium Payments § 162.1702 Standards for health plan premium...

45 CFR 162.1702 - Standards for health plan premium payments transaction.

Code of Federal Regulations, 2013 CFR

2013-10-01

... 45 Public Welfare 1 2013-10-01 2013-10-01 false Standards for health plan premium payments transaction. 162.1702 Section 162.1702 Public Welfare DEPARTMENT OF HEALTH AND HUMAN SERVICES ADMINISTRATIVE DATA STANDARDS AND RELATED REQUIREMENTS ADMINISTRATIVE REQUIREMENTS Health Plan Premium Payments § 162.1702 Standards for health plan premium...

26 CFR 1.809-4 - Gross amount.

Code of Federal Regulations, 2010 CFR

2010-04-01

... categories of items taken into account are: (1) Premiums. (i) The gross amount of all premiums and other... premiums and premiums and other consideration arising out of reinsurance ceded. The term gross amount of... 26 Internal Revenue 8 2010-04-01 2010-04-01 false Gross amount. 1.809-4 Section 1.809-4 Internal...

12 CFR 741.4 - Insurance premium and one percent deposit.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Insurance premium and one percent deposit. 741... Insurance premium and one percent deposit. (a) Scope. This section implements the requirements of Section... payment of an insurance premium. (b) Definitions. For purposes of this section: (1) Available assets ratio...

7 CFR 400.710 - Preemption and premium taxation.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 7 Agriculture 6 2011-01-01 2011-01-01 false Preemption and premium taxation. 400.710 Section 400... of Policies and Rates of Premium § 400.710 Preemption and premium taxation. A policy or plan of insurance that is approved by the Board for FCIC reinsurance is preempted from state and local taxation. ...

12 CFR 217.101 - Premiums on deposits.

Code of Federal Regulations, 2011 CFR

2011-01-01

... AGAINST THE PAYMENT OF INTEREST ON DEMAND DEPOSITS (REGULATION Q) Interpretations § 217.101 Premiums on... from paying interest on a demand deposit. Premiums, whether in the form of merchandise, credit, or cash... exceed $10 for deposits of less than $5,000 or $20 for deposits of $5,000 or more. The costs of premiums...

Insurance premiums and insurance coverage of near-poor children.

PubMed

Hadley, Jack; Reschovsky, James D; Cunningham, Peter; Kenney, Genevieve; Dubay, Lisa

States increasingly are using premiums for near-poor children in their public insurance programs (Medicaid/SCHIP) to limit private insurance crowd-out and constrain program costs. Using national data from four rounds of the Community Tracking Study Household Surveys spanning the seven years from 1996 to 2003, this study estimates a multinomial logistic regression model examining how public and private insurance premiums affect insurance coverage outcomes (Medicaid/SCHIP coverage, private coverage, and no coverage). Higher public premiums are significantly associated with a lower probability of public coverage and higher probabilities of private coverage and uninsurance; higher private premiums are significantly related to a lower probability of private coverage and higher probabilities of public coverage and uninsurance. The results imply that uninsurance rates will rise if both public and private premiums increase, and suggest that states that impose or increase public insurance premiums for near-poor children will succeed in discouraging crowd-out of private insurance, but at the expense of higher rates of uninsurance. Sustained increases in private insurance premiums will continue to create enrollment pressures on state insurance programs for children.

Understanding how prostate cancer patients value the current treatment options for metastatic castration resistant prostate cancer.

PubMed

Benidir, Tarik; Hersey, Karen; Finelli, Antonio; Hamilton, Rob; Joshua, Anthony M; Kulkarni, Girish; Zlotta, Alexandre; Fleshner, Neil

2018-05-01

Several new compounds are now available for castration resistant prostate cancer (CRPC). Individual costs range between $40,000 and $93,000 with mean survival extensions from 2.4 to 4.8 months. Currently, it remains unclear how patients with prostate cancer (PCa) value the effect of these therapies in the setting of CRPC. To assess patient understanding of core cancer concepts, opinions on the cost and overall benefit of CRPC drugs, whether out-of-pocket costs would change opinions and whether patients would ultimately opt out of CRPC drug treatment for an end-of-life (EOL) premium. We conducted a qualitative survey among patients with various PCa states ranging from active surveillance to CRPC and from various familial, financial and educational demographics. Through a series of hypothetical scenarios, we extrapolated opinions on CRPC drug value, efficacy and monetary worth. We assessed patient willingness to accept an EOL ($50,000) premium in lieu of CRPC drug treatment. Statistically, chi-squared analysis and Fisher's exact test were used when appropriate. In total, 103 patients completed the questionnaire, one-half of whom did not understand "advanced PCa" state and more than one-third of the concept of palliative care despite multiple meetings with Urologists. Patients willingness-to-pay and proposed drug value was higher than that accepted by government when government funded, with costs exceeding $250,000 per person, but lower than that accepted by government when self-funded. A majority (60%) would accept/consider the EOL premium in the setting of CRPC. Patients with higher education were more skeptical about CRPC drug value and more likely to accept the EOL premium (P = 0.003.) CONCLUSION: Patients have an incomplete understanding of their own disease prognosis and its therapeutic options. This ultimately influences patient decision-making. Education, income and out-of-pocket costs diminished opinion of CRPC drugs considerably. As such, an EOL premium should be considered in subsets of patients. Crown Copyright © 2018. Published by Elsevier Inc. All rights reserved.

“You're made to feel like a dirty filthy smoker when you're not, cigar smoking is another thing all together.” Responses of Australian cigar and cigarillo smokers to plain packaging

PubMed Central

Miller, Caroline L; Ettridge, Kerry A; Wakefield, Melanie A

2015-01-01

Objective To explore experiences of cigar and cigarillo smokers under Australian laws requiring plain packaging (PP) and strengthened graphic health warnings (GHWs). Methods In February/March 2014, we conducted: in-depth interviews with 10 regular premium cigar smokers; two focus groups with occasional premium cigar and premium cigarillo smokers (n=14); four focus groups with non-premium cigarillo smokers (n=28); and a national online survey of cigar and/or cigarillo smokers (n=268). Results Premium cigar smokers had limited exposure to PP, with many purchasing fully branded cigars in boxes duty free or online and singles in non-compliant packaging. Those who were exposed noticed and were concerned by the warnings, tried to avoid them and felt more like ‘dirty smokers’. Changes in perceived taste, harm and value were minimal for experienced premium cigar smokers. Occasional premium cigar and premium cigarillo smokers with higher PP exposure (gained by purchasing boxes rather than singles) perceived cigar/package appeal and value had declined and noticed the GHWs. Non-premium cigarillo smokers reported high PP exposure, reduced perceived appeal, quality, taste, enjoyment and value, somewhat increased perceived harm, greater noticeability of GHWs and concealment of packs and more contemplation of quitting. Online survey participants reported increased noticeability of GHWs (33%), decreased appeal of packaging (53%) and reduced consumption of cigars (42%) and cigarillos (44%) since PP implementation. Conclusions Non-premium cigarillo smokers appear to have been most exposed and influenced by PP, with cigar smokers less so, especially regular premium cigar smokers who have maintained access to fully branded products. PMID:28407613

5 CFR 890.1208 - Premiums.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 599C(e) of Public Law 101-513. (b) If the individual is not covered under this subpart for the full pay period, premiums are paid only for the days he or she is actually covered. The daily premium rate is an amount equal to the monthly premium rate multiplied by 12 and divided by 365. (c) The payments required...

Clearwood quality and softwood lumber prices: what's the real premium?

Treesearch

Thomas R. Waggener; Roger D. Fight

1999-01-01

Diminishing quantities of appearance grade lumber and rising price premiums for it have accompanied the transition from old-growth to young-growth timber. The price premiums for better grades are an incentive for producers to undertake investments to increase the yield of those higher valued products. Price premiums, however, are also an incentive for users to...

76 FR 67570 - Medicare Program; Part A Premiums for CY 2012 for the Uninsured Aged and for Certain Disabled...

Federal Register 2010, 2011, 2012, 2013, 2014

2011-11-01

... 0938-AQ15 Medicare Program; Part A Premiums for CY 2012 for the Uninsured Aged and for Certain Disabled...'') and by certain disabled individuals who have exhausted other entitlement. The monthly Part A premium... monthly premium for certain disabled individuals who have exhausted other entitlement. These are...

77 FR 69859 - Medicare Program; Part A Premiums for CY 2013 for the Uninsured Aged and for Certain Disabled...

Federal Register 2010, 2011, 2012, 2013, 2014

2012-11-21

... 0938-AR15 Medicare Program; Part A Premiums for CY 2013 for the Uninsured Aged and for Certain Disabled...'') and by certain disabled individuals who have exhausted other entitlement. The monthly Part A premium... monthly premium for certain disabled individuals who have exhausted other entitlement. These are...

24 CFR 257.203 - Calculation of up-front and annual mortgage insurance premiums for H4H program mortgages.

Code of Federal Regulations, 2010 CFR

2010-04-01

... mortgage insurance premiums for H4H program mortgages. 257.203 Section 257.203 Housing and Urban... mortgage insurance premiums for H4H program mortgages. (a) Applicable premiums. Any mortgage presented for... LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES HOPE FOR HOMEOWNERS PROGRAM...

25 CFR 103.19 - When must the lender pay BIA the loan guaranty or insurance premium?

Code of Federal Regulations, 2010 CFR

2010-04-01

... insurance premium? 103.19 Section 103.19 Indians BUREAU OF INDIAN AFFAIRS, DEPARTMENT OF THE INTERIOR FINANCIAL ACTIVITIES LOAN GUARANTY, INSURANCE, AND INTEREST SUBSIDY How a Lender Obtains a Loan Guaranty or Insurance Coverage § 103.19 When must the lender pay BIA the loan guaranty or insurance premium? The premium...

25 CFR 103.19 - When must the lender pay BIA the loan guaranty or insurance premium?

Code of Federal Regulations, 2011 CFR

2011-04-01

... insurance premium? 103.19 Section 103.19 Indians BUREAU OF INDIAN AFFAIRS, DEPARTMENT OF THE INTERIOR FINANCIAL ACTIVITIES LOAN GUARANTY, INSURANCE, AND INTEREST SUBSIDY How a Lender Obtains a Loan Guaranty or Insurance Coverage § 103.19 When must the lender pay BIA the loan guaranty or insurance premium? The premium...

24 CFR 257.203 - Calculation of up-front and annual mortgage insurance premiums for H4H program mortgages.

Code of Federal Regulations, 2011 CFR

2011-04-01

... mortgage insurance premiums for H4H program mortgages. 257.203 Section 257.203 Housing and Urban... mortgage insurance premiums for H4H program mortgages. (a) Applicable premiums. Any mortgage presented for... LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES HOPE FOR HOMEOWNERS PROGRAM...

5 CFR 550.143 - Bases for determining positions for which premium pay under § 550.141 is authorized.

Code of Federal Regulations, 2014 CFR

2014-01-01

... premium pay under § 550.141 is authorized. 550.143 Section 550.143 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT CIVIL SERVICE REGULATIONS PAY ADMINISTRATION (GENERAL) Premium Pay Regularly Scheduled Standby Duty Pay § 550.143 Bases for determining positions for which premium pay under § 550.141 is...

5 CFR 550.143 - Bases for determining positions for which premium pay under § 550.141 is authorized.

Code of Federal Regulations, 2012 CFR

2012-01-01

... premium pay under § 550.141 is authorized. 550.143 Section 550.143 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT CIVIL SERVICE REGULATIONS PAY ADMINISTRATION (GENERAL) Premium Pay Regularly Scheduled Standby Duty Pay § 550.143 Bases for determining positions for which premium pay under § 550.141 is...

5 CFR 550.143 - Bases for determining positions for which premium pay under § 550.141 is authorized.

Code of Federal Regulations, 2013 CFR

2013-01-01

... premium pay under § 550.141 is authorized. 550.143 Section 550.143 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT CIVIL SERVICE REGULATIONS PAY ADMINISTRATION (GENERAL) Premium Pay Regularly Scheduled Standby Duty Pay § 550.143 Bases for determining positions for which premium pay under § 550.141 is...

Estimated value of insurance premium due to Citarum River flood by using Bayesian method

NASA Astrophysics Data System (ADS)

Sukono; Aisah, I.; Tampubolon, Y. R. H.; Napitupulu, H.; Supian, S.; Subiyanto; Sidi, P.

2018-03-01

Citarum river flood in South Bandung, West Java Indonesia, often happens every year. It causes property damage, producing economic loss. The risk of loss can be mitigated by following the flood insurance program. In this paper, we discussed about the estimated value of insurance premiums due to Citarum river flood by Bayesian method. It is assumed that the risk data for flood losses follows the Pareto distribution with the right fat-tail. The estimation of distribution model parameters is done by using Bayesian method. First, parameter estimation is done with assumption that prior comes from Gamma distribution family, while observation data follow Pareto distribution. Second, flood loss data is simulated based on the probability of damage in each flood affected area. The result of the analysis shows that the estimated premium value of insurance based on pure premium principle is as follows: for the loss value of IDR 629.65 million of premium IDR 338.63 million; for a loss of IDR 584.30 million of its premium IDR 314.24 million; and the loss value of IDR 574.53 million of its premium IDR 308.95 million. The premium value estimator can be used as neither a reference in the decision of reasonable premium determination, so as not to incriminate the insured, nor it result in loss of the insurer.

42 CFR 408.207 - Billing and payment procedures.

Code of Federal Regulations, 2010 CFR

2010-10-01

... MEDICARE PROGRAM PREMIUMS FOR SUPPLEMENTARY MEDICAL INSURANCE Supplementary Medical Insurance Premium... premium surcharge for each eligible enrollee who is included in the agreement for the time period...

42 CFR 408.207 - Billing and payment procedures.

Code of Federal Regulations, 2011 CFR

2011-10-01

... MEDICARE PROGRAM PREMIUMS FOR SUPPLEMENTARY MEDICAL INSURANCE Supplementary Medical Insurance Premium... premium surcharge for each eligible enrollee who is included in the agreement for the time period...

78 FR 64951 - Medicare Program; Part A Premiums for CY 2014 for the Uninsured Aged and for Certain Disabled...

Federal Register 2010, 2011, 2012, 2013, 2014

2013-10-30

... 0938-AR57 Medicare Program; Part A Premiums for CY 2014 for the Uninsured Aged and for Certain Disabled...'') and by certain disabled individuals who have exhausted other entitlement. The monthly Part A premium... payment of a monthly premium for certain disabled individuals who have exhausted other entitlement. These...

24 CFR 221.755 - Premiums first, second, third and operating loss loans.

Code of Federal Regulations, 2010 CFR

2010-04-01

... insurance premiums, apply to mortgages insured under this subpart that provide for interest at the market... section 238(c) of the Act all mortgage insurance premiums due in accordance with §§ 207.252 and 207.252a... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Premiums first, second, third and...

24 CFR 213.259a - Premiums-mortgages insured pursuant to section 238(c) of the Act.

Code of Federal Regulations, 2010 CFR

2010-04-01

.... All of the provisions of §§ 213.253 through 213.259 governing mortgage insurance premiums shall apply... mortgage insurance premiums due on such mortgages in accordance with §§ 213.253 through 213.259 shall be... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Premiums-mortgages insured pursuant...

24 CFR 213.259a - Premiums-mortgages insured pursuant to section 238(c) of the Act.

Code of Federal Regulations, 2011 CFR

2011-04-01

.... All of the provisions of §§ 213.253 through 213.259 governing mortgage insurance premiums shall apply... mortgage insurance premiums due on such mortgages in accordance with §§ 213.253 through 213.259 shall be... 24 Housing and Urban Development 2 2011-04-01 2011-04-01 false Premiums-mortgages insured pursuant...

24 CFR 221.755 - Premiums first, second, third and operating loss loans.

Code of Federal Regulations, 2011 CFR

2011-04-01

... insurance premiums, apply to mortgages insured under this subpart that provide for interest at the market... section 238(c) of the Act all mortgage insurance premiums due in accordance with §§ 207.252 and 207.252a... 24 Housing and Urban Development 2 2011-04-01 2011-04-01 false Premiums first, second, third and...

[Quantified self movement--the new mantra of life insurance companies].

PubMed

Becher, St

2016-06-01

Wearables are small personal minicomputers that register biometric data. In such a way, the insurance industry hopes to create new sales opportunities and products, and simplify underwriting. Lower premiums will promote the use of wearables. The related possibilities and unanswered questions are discussed in this article. Utilisation of big data offers the insurance industry a range of new opportunities. The benefit must be proven in the future, however.

[Provide comprehensive service for state policy].

PubMed

Wu, X

1991-04-01

In recent years, Chinese insurance companies introduced family planning (FP) insurance series. These schemes originated from the "one child" and life insurance and accident insurance of the early 1980s, which were established in response to the need that came with the "one child" policy. In order to help relieve the difficulties of rural FP work, the People's Insurance Corporation extended these programs to a series of schemes. These schemes included e.g., and old age security program for the families with 1 daughter only, old age security for families with an only child, and the program for FP workers' personal safety. The purpose of these schemes was to guarantee security in old age for families with few children, to ensure compensation if accident occurs during delivery or as a result of birth control operations; and compensation for FP workers for physical assaults they encountered. As FP organizations have been directly involved in advertising the insurance programs, there has been support from local governments with human and financial resources, and these insurance programs have been expanding every year. The payment of the policy has been either entirely or partially borne by the employers of the insured. In the process of the development of the insurance program, some problems have occurred. 1st, competition between FP organizations and insurance companies have evolved in sponsoring the program for its profit. 2nd, some media reports have confused the payment of premiums with the compulsory levy of undue fees, which in a way, hindered the expansion of program enrollment. 3rd, some local administrations are short of funds to pay for the insurance premiums. 4th, the accrued income from the premiums is lower than the expected sum of the principle and interest if the same funds were deposited in a bank at current interest rate. Therefore, some schemes lack appeal. FP series insurance is a longer term program which will have an important impact on the realization of the aim of population policy, and on the welfare of the population. The government should give adequate emphasis to the management of the program. The fund from the policy premiums could be used in high return and low risk investment in order to increase the appeal of the insurance schemes. Besides the current resources for the payment of premiums, funds from government allocation, penalty payment from those who have birth above the quota, one-child allowance, donations from communities or individuals, and income from special lotteries could also be used to pay the premiums.

The stature of the self-employed and its relation with earnings and satisfaction.

PubMed

Rietveld, Cornelius A; Hessels, Jolanda; van der Zwan, Peter

2015-04-01

Taller individuals have on average a higher socio-economic status than shorter individuals. In countries where entrepreneurs have high social status, we may therefore expect that entrepreneurs are taller than wage workers. Using data from the German Socio-Economic Panel (2002-2012), we find that a 1cm increase in an individual's height raises the probability of being self-employed (the most common proxy for entrepreneurship) versus paid employed by 0.15 percentage points. Within the self-employed, the probability of being an employer is increased by 0.10 percentage points as a result of a 1cm increase in height, whereas this increase is 0.05 percentage points for an own-account worker. This result corroborates the higher social status of employers compared to own-account workers. We find a height premium in earnings for self-employed and paid-employed individuals: an additional 1cm in height is associated with a 0.39% increase in hourly earnings for paid employees and a 0.52% increase for self-employed individuals. Our analysis reveals that approximately one third of the height premium in earnings is explained by differences in educational attainment. We also establish the existence of a height premium in terms of work and life satisfaction, which is more pronounced for paid employees than for self-employed individuals. Copyright © 2015 Elsevier B.V. All rights reserved.

The impact of HMO competition on private health insurance premiums, 1985-1992.

PubMed

Wickizer, T M; Feldstein, P J

1995-01-01

A critical unresolved health policy question is whether competition stimulated by managed care organizations can slow the rate of growth in health care expenditures. We analyzed the competitive effects of health maintenance organizations (HMOs) on the growth in fee-for-service indemnity insurance premiums over the period 1985-1992 using premium data on 95 groups that had policies with a single, large, private insurance carrier. We used multiple regressions to estimate the effect of HMO market penetration on insurance premium growth rates. HMO penetration had a statistically significant (p < .015) negative effect on the rate of growth in indemnity insurance premiums. For an average group located in a market whose HMO penetration rate increased by 25% (e.g., from 10% to 12.5%), the real rate of growth in premiums would be approximately 5.9% instead of 7.0%. Our findings indicate that competitive strategies, relying on managed care, have significant potential to reduce health insurance premium growth rates, thereby resulting in substantial cost savings over time.

The effect of Medicaid premiums on enrollment: a regression discontinuity approach.

PubMed

Dague, Laura

2014-09-01

This paper estimates the effect that premiums in Medicaid have on the length of enrollment of program beneficiaries. Whether and how low income-families will participate in the exchanges and in states' Medicaid programs depends crucially on the structure and amounts of the premiums they will face. I take advantage of discontinuities in the structure of Wisconsin's Medicaid program to identify the effects of premiums on enrollment for low-income families. I use a 3-year administrative panel of enrollment data to estimate these effects. I find an increase in the premium from 0 to 10 dollars per month results in 1.4 fewer months enrolled and reduces the probability of remaining enrolled for a full year by 12 percentage points, but other discrete changes in premium amounts do not affect enrollment or have a much smaller effect. I find no evidence of program enrollees intentionally decreasing labor supply in order to avoid the premiums. Copyright © 2014 Elsevier B.V. All rights reserved.

Market niche analysis in the casino gaming industry.

PubMed

Dandurand, L

1990-03-01

This article discusses the nature of market niche analysis in the casino gaming industry. It presents four approaches for conducting market niche analysis. An an example of one approach, the Las Vegas Visitor Profile Study is used to identify a premium niche in the Las Vegas Slot Target Market. A detailed examination of the premium niche profile provides a description of the typical premium slot player. The description of the typical premium player leads to hypotheses regarding needs (the unique preference set) of the premium player. An analysis of the unique preference set suggests an appropriate enhanced marketing program.

CHIP premiums, health status, and the insurance coverage of children.

PubMed

Marton, James; Talbert, Jeffery C

2010-01-01

This study uses the introduction of premiums into Kentucky's Children's Health Insurance Program (KCHIP) to examine whether the enrollment impact of new premiums varies by child health type. We also examine the extent to which children find alternative coverage after premium nonpayment. Public insurance claims data suggest that those with chronic health conditions are less likely to leave public coverage. We find little evidence of a differential impact of premiums on enrollment among the chronically ill. Our survey of nonpayers shows that 56% of responding families found alternative private or public health coverage for their children after losing CHIP.

42 CFR 422.404 - State premium taxes prohibited.

Code of Federal Regulations, 2012 CFR

2012-10-01

... (CONTINUED) MEDICARE PROGRAM (CONTINUED) MEDICARE ADVANTAGE PROGRAM Organization Compliance With State Law and Preemption by Federal Law § 422.404 State premium taxes prohibited. (a) Basic rule. No premium tax...

Mating motives are neither necessary nor sufficient to create the beauty premium.

PubMed

Hafenbrädl, Sebastian; Dana, Jason

2017-01-01

Mating motives lead decision makers to favor attractive people, but this favoritism is not sufficient to create a beauty premium in competitive settings. Further, economic approaches to discrimination, when correctly characterized, could neatly accommodate the experimental and field evidence of a beauty premium. Connecting labor economics and evolutionary psychology is laudable, but mating motives do not explain the beauty premium.

24 CFR 207.252c - Premiums-mortgages insured pursuant to section 238(c) of the Act.

Code of Federal Regulations, 2010 CFR

2010-04-01

.... All of the provisions of §§ 207.252 and 207.252a governing mortgage insurance premiums shall apply to... insurance premiums due on such mortgages in accordance with §§ 207.252 and 207.252a shall be calculated on... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Premiums-mortgages insured pursuant...

24 CFR 207.252c - Premiums-mortgages insured pursuant to section 238(c) of the Act.

Code of Federal Regulations, 2011 CFR

2011-04-01

.... All of the provisions of §§ 207.252 and 207.252a governing mortgage insurance premiums shall apply to... insurance premiums due on such mortgages in accordance with §§ 207.252 and 207.252a shall be calculated on... 24 Housing and Urban Development 2 2011-04-01 2011-04-01 false Premiums-mortgages insured pursuant...

Medigap premiums and Medicare HMO enrollment.

PubMed

McLaughlin, Catherine G; Chernew, Michael; Taylor, Erin Fries

2002-12-01

Markets for Medicare HMOs (health maintenance organizations) and supplemental Medicare coverage are often treated separately in existing literature. Yet because managed care plans and Medigap plans both cover services not covered by basic Medicare, these markets are clearly interrelated. We examine the extent to which Medigap premiums affect the likelihood of the elderly joining managed care plans. The analysis is based on a sample of Medicare beneficiaries drawn from the 1996-1997 Community Tracking Study (CTS) Household Survey by the Center for Studying Health System Change. Respondents span 56 different CTS sites from 30 different states. Measures of premiums for privately-purchased Medigap policies were collected from a survey of large insurers serving this market. Data for individual, market, and HMO characteristics were collected from the CTS, InterStudy, and HCFA (Health Care Financing Administration). Our analysis uses a reduced-form logit model to estimate the probability of Medicare HMO participation as a function of Medigap premiums controlling for other market- and individual-level characteristics. The logit coefficients were then used to simulate changes in Medicare participation in response to changes in Medigap premiums. We found that Medigap premiums vary considerably among the geographic markets included in our sample. Measures of premiums from different insurers and for different types of Medigap policies were generally highly correlated across markets. Our models consistently indicate a strong positive relationship between Medigap premiums and HMO participation. This result is robust across several specifications. Simulations suggest that a one standard deviation increase in Medigap premiums would increase HMO participation by more than 8 percentage points. This research provides strong evidence that Medigap premiums have a significant effect on seniors' participation in Medicare HMOs. Policy initiatives aimed at lowering Medigap premiums will likely discourage enrollment in Medicare HMOs, holding other factors constant. Although the Medigap premiums are just one factor affecting the future penetration rate of Medicare HMOs, they are an important driver of HMO enrollment and should be considered carefully when creating policy related to seniors' supplemental coverage. Similarly, our results imply that reforms to the Medicare HMO market would influence the demand for Medigap policies.

Medigap Premiums and Medicare HMO Enrollment

PubMed Central

McLaughlin, Catherine G; Chernew, Michael; Taylor, Erin Fries

2002-01-01

Objective Markets for Medicare HMOs (health maintenance organizations) and supplemental Medicare coverage are often treated separately in existing literature. Yet because managed care plans and Medigap plans both cover services not covered by basic Medicare, these markets are clearly interrelated. We examine the extent to which Medigap premiums affect the likelihood of the elderly joining managed care plans. Data Sources The analysis is based on a sample of Medicare beneficiaries drawn from the 1996–1997 Community Tracking Study (CTS) Household Survey by the Center for Studying Health System Change. Respondents span 56 different CTS sites from 30 different states. Measures of premiums for privately-purchased Medigap policies were collected from a survey of large insurers serving this market. Data for individual, market, and HMO characteristics were collected from the CTS, InterStudy, and HCFA (Health Care Financing Administration). Study Design Our analysis uses a reduced-form logit model to estimate the probability of Medicare HMO participation as a function of Medigap premiums controlling for other market- and individual-level characteristics. The logit coefficients were then used to simulate changes in Medicare participation in response to changes in Medigap premiums. Principal Findings We found that Medigap premiums vary considerably among the geographic markets included in our sample. Measures of premiums from different insurers and for different types of Medigap policies were generally highly correlated across markets. Our models consistently indicate a strong positive relationship between Medigap premiums and HMO participation. This result is robust across several specifications. Simulations suggest that a one standard deviation increase in Medigap premiums would increase HMO participation by more than 8 percentage points. Conclusions This research provides strong evidence that Medigap premiums have a significant effect on seniors' participation in Medicare HMOs. Policy initiatives aimed at lowering Medigap premiums will likely discourage enrollment in Medicare HMOs, holding other factors constant. Although the Medigap premiums are just one factor affecting the future penetration rate of Medicare HMOs, they are an important driver of HMO enrollment and should be considered carefully when creating policy related to seniors' supplemental coverage. Similarly, our results imply that reforms to the Medicare HMO market would influence the demand for Medigap policies. PMID:12546281

Changes in premiums of cancelled nongroup plans under the Affordable Care Act.

PubMed

Maeda, Jared Lane L K; Chen, Jersey; Plemons, Brent R

2016-07-01

To examine the effect of the Affordable Care Act (ACA) on changes in premiums for subscribers of nongrandfathered, nongroup insurance plans that were "cancelled." Retrospective multivariate analyses. Changes in annual premiums post ACA were evaluated across subgroups of subscriber and health plan characteristics. Data was derived from databases containing information on premiums, plan benefit, and demographics for subscribers aged 18 to 64 years within Kaiser Permanente of the Mid-Atlantic States. A linear regression model was used to examine the independent association between subscriber and health plan characteristics on the relative change in premiums. In 2013, 4169 nongroup subscribers were enrolled in plans that were cancelled as a result of the ACA. The median pre-ACA premium was $3240 (range = $780-$39,492), which increased by a median of 21.3% (range = -77.4% to 193.6%), or $685 (range = -$27,464 to $8676), post ACA in 2014. Premiums increased more for high-deductible plans (median = 63.7%) than standard-deductible plans (median = 8.4%). Due to shifts in the age curve, premiums decreased for more than half of women aged 18 to 44 years, but increased by 35.2% for women aged 55 to 64 years. Premiums fell by 15.5% for subscribers who did not pass standard medical underwriting due to preexisting conditions. Changes in premiums in the nongroup market post ACA, varied substantially across subgroups, primarily due to differences in the amount of coverage, changes in rating criteria, shifts in the age curve, and anticipated differences in risk selection and composition of the risk pool. Given the extent of this variation, it would be incorrect to conclude the ACA as being uniformly beneficial or detrimental to subscribers of these cancelled plans.

24 CFR 241.825 - Pro rata refund of insurance premium.

Code of Federal Regulations, 2010 CFR

2010-04-01

... AUTHORITIES SUPPLEMENTARY FINANCING FOR INSURED PROJECT MORTGAGES Contract Rights and Obligations-Multifamily Projects Without a HUD-Insured or HUD-Held Mortgage Premiums § 241.825 Pro rata refund of insurance premium...

24 CFR 221.256 - Interest rate increase and payment of mortgage insurance premiums on mortgages under § 221.60 and...

Code of Federal Regulations, 2011 CFR

2011-04-01

... of mortgage insurance premiums on mortgages under § 221.60 and § 221.65. 221.256 Section 221.256... Interest rate increase and payment of mortgage insurance premiums on mortgages under § 221.60 and § 221.65.... (c) The liability for payment of mortgage insurance premiums shall begin on and be computed from the...

Gasoline Marketing: Premium Gasoline Overbuying May Be Occurring, but Extent Unknown.

DTIC Science & Technology

1991-02-01

Atlantic Richfield Company (ARCO) Mobil Oil Company Shell Oil Company Sun Refining and Marketing Company Consumer Groups American Automobile Association...Chairman: Consumers have the option of purchasing several different grades of unleaded gasoline-regular, mid-grade, and premium-which are classi...determine: (1) whether consumers were buying premium gasoline that they may not need, (2) whether the I .higher retail price of premium gasoline includes

Estimating Premium Sensitivity for Children's Public Health Insurance Coverage: Selection but No Death Spiral

PubMed Central

Marton, James; Ketsche, Patricia G; Snyder, Angela; Adams, E Kathleen; Zhou, Mei

2015-01-01

Objective To estimate the effect of premium increases on the probability that near-poor and moderate-income children disenroll from public coverage. Data Sources Enrollment, eligibility, and claims data for Georgia's PeachCare for Kids™ (CHIP) program for multiple years. Study Design We exploited policy-induced variation in premiums generated by cross-sectional differences and changes over time in enrollee age, family size, and income to estimate the duration of enrollment as a function of the effective (per child) premium. We classify children as being of low, medium, or high illness severity. Principal Findings A dollar increase in the per-child premium is associated with a slight increase in a typical child's monthly probability of exiting coverage from 7.70 to 7.83 percent. Children with low illness severity have a significantly higher monthly baseline probability of exiting than children with medium or high illness severity, but the enrollment response to premium increases is similar across all three groups. Conclusions Success in achieving coverage gains through public programs is tempered by persistent problems in maintaining enrollment, which is modestly affected by premium increases. Retention is subject to adverse selection problems, but premium increases do not appear to significantly magnify the selection problem in this case. PMID:25130764

Is premium support the right medicine for Medicare?

PubMed

Oberlander, J

2000-01-01

This paper assesses the desirability of transforming Medicare into a premium-support system. I focus on three areas crucial to the future of Medicare: cost savings, beneficiary choice, and the stability of traditional Medicare. Based on my analysis of the Bipartisan Commission on the Future of Medicare plan, I find substantial problems with adopting premium support for Medicare. In particular, projections of premium-support savings are based on questionable assumptions that the slowdown in health spending during 1993-1997 can be sustained and extrapolated to future Medicare performance. Consequently, premium support may inadvertently destabilize public Medicare and erode beneficiary choice without achieving substantial savings.

Effect of Mergers on Health Maintenance Organization Premiums

PubMed Central

Feldman, Roger; Wholey, Douglas; Christianson, Jon

1996-01-01

This study estimated the effect of mergers on health maintenance organization (HMO) premiums, using data on all operational non-Medicaid HMOs in the United States from 1985 to 1993. Two critical issues were examined: whether HMO mergers increase or decrease premiums; and whether the effects of mergers differ according to the degree of competition among HMOs in local markets. The only significant merger effect was found in the most competitive markets, where premiums increased, but only for 1 year after the merger. Our research does not support the argument that consolidation of HMOs in local markets will benefit consumers through lower premiums. PMID:10158729

Effects of public premiums on children's health insurance coverage: evidence from 1999 to 2003.

PubMed

Kenney, Genevieve; Hadley, Jack; Blavin, Fredric

This study uses 2000 to 2004 Current Population Survey data to examine the effects of public premiums on the insurance coverage of children whose family incomes are between 100% and 300% of the federal poverty level. The analysis employs multinomial logistic models that control for factors other than premium costs. While the magnitude of the estimated effects varies across models, the results consistently indicate that raising public premiums reduces enrollment in public programs, with some children who forgo public coverage having private coverage instead and others being uninsured. The results indicate that public premiums have larger effects when applied to lower-income families.

24 CFR 207.252a - Premiums-operating loss loans.

Code of Federal Regulations, 2010 CFR

2010-04-01

... AUTHORITIES MULTIFAMILY HOUSING MORTGAGE INSURANCE Contract Rights and Obligations Premiums § 207.252a... insurance premium of not less than one-fourth of one percent nor more than one percent as the Secretary...

Differing Impacts Of Market Concentration On Affordable Care Act Marketplace Premiums.

PubMed

Scheffler, Richard M; Arnold, Daniel R; Fulton, Brent D; Glied, Sherry A

2016-05-01

Recent increases in market concentration among health plans, hospitals, and medical groups raise questions about what impact such mergers are having on costs to consumers. We examined the impact of market concentration on the growth of health insurance premiums between 2014 and 2015 in two Affordable Care Act state-based Marketplaces: Covered California and NY State of Health. We measured health plan, hospital, and medical group market concentration using the well-known Herfindahl-Hirschman Index (HHI) and used a multivariate regression model to relate these measures to premium growth. Both states exhibited a positive association between hospital concentration and premium growth and a positive (but not statistically significant) association between medical group concentration and premium growth. Our results for health plan concentration differed between the two states: It was positively associated with premium growth in New York but negatively associated with premium growth in California. The health plan concentration finding in Covered California may be the result of its selectively contracting with health plans. Project HOPE—The People-to-People Health Foundation, Inc.

Advanced Radioisotope Power Systems Segmented Thermoelectric Research

NASA Technical Reports Server (NTRS)

Caillat, Thierry

2004-01-01

Flight times are long; - Need power systems with >15 years life. Mass is at an absolute premium; - Need power systems with high specific power and scalability. 3 orders of magnitude reduction in solar irradiance from Earth to Pluto. Nuclear power sources preferable. The Overall objective is to develop low mass, high efficiency, low-cost Advanced Radioisotope Power System with double the Specific Power and Efficiency over state-of-the-art Radioisotope Thermoelectric Generators (RTGs).

20 CFR 418.2255 - What kind of evidence of a major life-changing event will you need to support your request for us...

Code of Federal Regulations, 2013 CFR

2013-04-01

...-changing event will you need to support your request for us to use a more recent tax year? 418.2255 Section... Adjustments to Medicare Prescription Drug Coverage Premiums Determinations Using A More Recent Tax Year's... need to support your request for us to use a more recent tax year? We will follow the rules in § 418...

20 CFR 418.2255 - What kind of evidence of a major life-changing event will you need to support your request for us...

Code of Federal Regulations, 2014 CFR

2014-04-01

...-changing event will you need to support your request for us to use a more recent tax year? 418.2255 Section... Adjustments to Medicare Prescription Drug Coverage Premiums Determinations Using A More Recent Tax Year's... need to support your request for us to use a more recent tax year? We will follow the rules in § 418...

20 CFR 418.2255 - What kind of evidence of a major life-changing event will you need to support your request for us...

Code of Federal Regulations, 2012 CFR

2012-04-01

...-changing event will you need to support your request for us to use a more recent tax year? 418.2255 Section... Adjustments to Medicare Prescription Drug Coverage Premiums Determinations Using A More Recent Tax Year's... need to support your request for us to use a more recent tax year? We will follow the rules in § 418...

A modeling framework for optimal long-term care insurance purchase decisions in retirement planning.

PubMed

Gupta, Aparna; Li, Lepeng

2004-05-01

The level of need and costs of obtaining long-term care (LTC) during retired life require that planning for it is an integral part of retirement planning. In this paper, we divide retirement planning into two phases, pre-retirement and post-retirement. On the basis of four interrelated models for health evolution, wealth evolution, LTC insurance premium and coverage, and LTC cost structure, a framework for optimal LTC insurance purchase decisions in the pre-retirement phase is developed. Optimal decisions are obtained by developing a trade-off between post-retirement LTC costs and LTC insurance premiums and coverage. Two-way branching models are used to model stochastic health events and asset returns. The resulting optimization problem is formulated as a dynamic programming problem. We compare the optimal decision under two insurance purchase scenarios: one assumes that insurance is purchased for good and other assumes it may be purchased, relinquished and re-purchased. Sensitivity analysis is performed for the retirement age.

5 CFR 892.206 - Can I cancel my waiver and participate in premium conversion?

Code of Federal Regulations, 2013 CFR

2013-01-01

... (CONTINUED) CIVIL SERVICE REGULATIONS (CONTINUED) FEDERAL FLEXIBLE BENEFITS PLAN: PRE-TAX PAYMENT OF HEALTH BENEFITS PREMIUMS Eligibility and Participation § 892.206 Can I cancel my waiver and participate in premium...

5 CFR 892.206 - Can I cancel my waiver and participate in premium conversion?

Code of Federal Regulations, 2011 CFR

2011-01-01

... (CONTINUED) CIVIL SERVICE REGULATIONS (CONTINUED) FEDERAL FLEXIBLE BENEFITS PLAN: PRE-TAX PAYMENT OF HEALTH BENEFITS PREMIUMS Eligibility and Participation § 892.206 Can I cancel my waiver and participate in premium...

5 CFR 892.206 - Can I cancel my waiver and participate in premium conversion?

Code of Federal Regulations, 2014 CFR

2014-01-01

... (CONTINUED) CIVIL SERVICE REGULATIONS (CONTINUED) FEDERAL FLEXIBLE BENEFITS PLAN: PRE-TAX PAYMENT OF HEALTH BENEFITS PREMIUMS Eligibility and Participation § 892.206 Can I cancel my waiver and participate in premium...

5 CFR 892.206 - Can I cancel my waiver and participate in premium conversion?

Code of Federal Regulations, 2010 CFR

2010-01-01

... (CONTINUED) CIVIL SERVICE REGULATIONS (CONTINUED) FEDERAL FLEXIBLE BENEFITS PLAN: PRE-TAX PAYMENT OF HEALTH BENEFITS PREMIUMS Eligibility and Participation § 892.206 Can I cancel my waiver and participate in premium...

5 CFR 892.102 - What is premium conversion and how does it work?

Code of Federal Regulations, 2010 CFR

2010-01-01

...) CIVIL SERVICE REGULATIONS (CONTINUED) FEDERAL FLEXIBLE BENEFITS PLAN: PRE-TAX PAYMENT OF HEALTH BENEFITS... FEHB insurance premium. If you are a participant in the premium conversion plan, Section 125 of the...

38 CFR 8.14 - Provision for extended term insurance-other than 5-year level premium term or limited convertible...

Code of Federal Regulations, 2010 CFR

2010-07-01

... under 38 U.S.C. 1925, will purchase when applied as a net single premium at the attained age of the... indebtedness for such time from the due date of the premium in default as the reserve of the policy less any indebtedness will purchase when applied as a net single premium at the attained age of the insured. For this...

The Effect of Massachusetts' Health Reform on Employer-Sponsored Insurance Premiums.

PubMed

Cogan, John F; Hubbard, R Glenn; Kessler, Daniel

2010-01-01

In this paper, we use publicly available data from the Medical Expenditure Panel Survey - Insurance Component (MEPS-IC) to investigate the effect of Massachusetts' health reform plan on employer-sponsored insurance premiums. We tabulate premium growth for private-sector employers in Massachusetts and the United States as a whole for 2004 - 2008. We estimate the effect of the plan as the difference in premium growth between Massachusetts and the United States between 2006 and 2008-that is, before versus after the plan-over and above the difference in premium growth for 2004 to 2006. We find that health reform in Massachusetts increased single-coverage employer-sponsored insurance premiums by about 6 percent, or $262. Although our research design has important limitations, it does suggest that policy makers should be concerned about the consequences of health reform for the cost of private insurance.

What drives insurer participation and premiums in the Federally-Facilitated Marketplace?

PubMed

Abraham, Jean Marie; Drake, Coleman; McCullough, Jeffrey S; Simon, Kosali

2017-12-01

We investigate determinants of market entry and premiums within the context of the Affordable Care Act's Marketplaces for individual insurance. Using Bresnahan and Reiss (1991) as the conceptual framework, we study how competition and firm heterogeneity relate to premiums in 36 states using Federally Facilitated or Supported Marketplaces in 2016. Our primary data source is the Qualified Health Plan Landscape File, augmented with market characteristics from the American Community Survey and Area Health Resource File as well as insurer-level information from federal Medical Loss Ratio annual reports. We first estimate a model of insurer entry and then investigate the relationship between a market's predicted number of entrants and insurer-level premiums. Our entry model results suggest that competition is increasing with the number of insurers, most notably as the market size increases from 3 to 4 entrants. Results from the premium regression suggest that each additional entrant is associated with approximately 4% lower premiums, controlling for other factors. An alternative explanation for the relationship between entrants and premiums is that more efficient insurers (who can price lower) are the ones that enter markets with many entrants, and this is reflected in lower premiums. An exploratory analysis of insurers' non-claims costs (a proxy for insurer efficiency) reveals that average costs among entrants are rising slightly with the number of insurers in the market. This pattern does not support the hypothesis that premiums decrease with more entrants because those entrants are more efficient, suggesting instead that the results are being driven mostly by price competition.

Employee responses to health insurance premium increases.

PubMed

Goldman, Dana P; Leibowitz, Arleen A; Robalino, David A

2004-01-01

To determine the sensitivity of employees' health insurance decisions--including the decision to not choose health maintenance organization or fee-for-service coverage--during periods of rapidly escalating healthcare costs. A retrospective cohort study of employee plan choices at a single large firm with a "cafeteria-style" benefits plan wherein employees paid all the additional cost of purchasing more generous insurance. We modeled the probability that an employee would drop coverage or switch plans in response to employee premium increases using data from a single large US company with employees across 47 states during the 3-year period of 1989 through 1991, a time of large premium increases within and across plans. Premium increases induced substantial plan switching. Single employees were more likely to respond to premium increases by dropping coverage, whereas families tended to switch to another plan. Premium increases of 10% induced 7% of single employees to drop or severely cut back on coverage; 13% to switch to another plan; and 80% to remain in their existing plan. Similar figures for those with family coverage were 11%, 12%, and 77%, respectively. Simulation results that control for known covariates show similar increases. When faced with a dramatic increase in premiums--on the order of 20%--nearly one fifth of the single employees dropped coverage compared with 10% of those with family coverage. Employee coverage decisions are sensitive to rapidly increasing premiums, and single employees may be likely to drop coverage. This finding suggests that sustained premium increases could induce substantial increases in the number of uninsured individuals.

5 CFR 890.1306 - Government premium contributions.

Code of Federal Regulations, 2010 CFR

2010-01-01

....1306 Section 890.1306 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT (CONTINUED) CIVIL SERVICE... Health Benefits Program Demonstration Project § 890.1306 Government premium contributions. The Secretary... family members. The government contribution toward demonstration project premium rates will be determined...

17 CFR 256.924 - Property insurance.

Code of Federal Regulations, 2010 CFR

2010-04-01

... insurance premiums to protect the service company against losses and damages to owned or leased property... covered, and the applicable premiums. Any dividends distributed by mutual insurance companies shall be credited to the accounts to which the insurance premiums were charged. ...

17 CFR 256.924 - Property insurance.

Code of Federal Regulations, 2011 CFR

2011-04-01

... insurance premiums to protect the service company against losses and damages to owned or leased property... covered, and the applicable premiums. Any dividends distributed by mutual insurance companies shall be credited to the accounts to which the insurance premiums were charged. ...

Premium Rebates and the Quiet Consensus on Market Reform for Medicare

PubMed Central

Feldman, Roger; Dowd, Bryan E.; Coulam, Robert; Nichols, Len; Mutti, Anne

2001-01-01

Premium rebates allow beneficiaries who choose more efficient Medicare options to receive cash rebates, rather than extra benefits. That simple idea has been controversial. Without fanfare, however, premium rebates have become a key area of agreement in the debate on Medicare reform. Moreover, in legislation in late 2000, it became official policy: Medicare+Choice (M+C) plans will be allowed to offer rebates beginning in 2003. This article explores the economic rationale for premium rebates, provides a historical perspective on the rebate debate, discusses some of the implementation issues that need to be addressed before 2003, and reviews the implications of premium rebates for current legislative proposals for Medicare reform. PMID:12500336

5 CFR 890.1306 - Government premium contributions.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 5 Administrative Personnel 2 2011-01-01 2011-01-01 false Government premium contributions. 890... Health Benefits Program Demonstration Project § 890.1306 Government premium contributions. The Secretary of Defense is responsible for the government contribution for enrolled eligible beneficiaries and...

5 CFR 890.1306 - Government premium contributions.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 5 Administrative Personnel 2 2012-01-01 2012-01-01 false Government premium contributions. 890... Health Benefits Program Demonstration Project § 890.1306 Government premium contributions. The Secretary of Defense is responsible for the government contribution for enrolled eligible beneficiaries and...

Health Insurance Marketplaces: Early Findings on Changes in Plan Availability and Premiums in Rural Places, 2014-2015.

PubMed

Barker, Abigail; McBride, Timothy D; Kemper, Leah M; Mueller, Keith

2015-05-01

The Patient Protection and Affordable Care Act established Health Insurance Marketplaces (HIMs) in all 50 states and the District of Columbia. This policy brief assesses the changes in HIMs from 2014 to 2015 in terms of choices offered and premiums charged, with emphasis on how these measures vary across rural and urban places. Key Findings. (1) In 74 percent of HIM rating areas, the number of firms operating increased by at least one, while the number of firms decreased in only about 6 percent of rating areas. Further, 64 percent of rating areas with fewer than 50 persons per square mile gained at least one firm. (2) There was no consistent pattern of premium increases with respect to rating area population density (used as a proxy here for the degree of "ruralness" of the rating areas). Nationally, rural areas are not experiencing higher premium increases than their urban counterparts. In fact, the lowest increases in second-lowest cost silver plan premiums occurred in the medium-density population rating areas of 51 to 300 persons per square mile. (3) Average adjusted premiums increased from 2014 to 2015 by 6.7 percent in Federally-Facilitated Marketplaces (FFMs) compared to just 1.4 percent in State-Based Marketplaces (SBMs). Regardless of SBM or FFM status, premium increases across the United States were negatively correlated with the number of firms entering the market. (4) Analysis of the most rural states, in terms of percentage of the population classified as nonmetropolitan, shows that, in general, premiums fell significantly in rural places where they had been rather high, and they increased in rural places where they had been rather low. The five rural states with the lowest premium increases had an average of 0.17 firms entering the market, while the five with the highest premium increases had an average of 0.50 firms exiting the market.

Without the individual mandate, the Affordable Care Act would still cover 23 million; premiums would rise less than predicted.

PubMed

Sheils, John F; Haught, Randall

2011-11-01

Many policy analysts fear that eliminating the individual health insurance mandate and penalty from the Affordable Care Act of 2010 would lead to a "premium spiral," in which healthy people would drop coverage, premiums would soar, and the number of people with coverage would plummet. However, there are other provisions of the law that would greatly mitigate this effect. For example, the subsidies provided in the law to help people purchase coverage through health insurance exchanges would restrain a premium spiral by absorbing much of the impact of premium increases. We estimate that if the mandate were lifted, premiums in the individual market would increase by 12.6 percent-somewhat less than other estimates-with 7.8 million people losing coverage, versus other estimates for coverage loss of 16-24 million people. In sum, the Affordable Care Act would still cover 23 million people who would have been uninsured without the law. Our study suggests that although the mandate would have important effects on premiums and coverage, it might not be essential to the act's successful implementation.

Covered California: The Impact of Provider and Health Plan Market Power on Premiums.

PubMed

Scheffler, Richard M; Kessell, Eric; Brandt, Margareta

2015-12-01

We explain the establishment of Covered California, California's health insurance marketplace. The marketplace uses an active purchaser model, which means that Covered California can selectively contract with some health plans and exclude others. During the 2014 open-enrollment period, it enrolled 1.3 million people, who are covered by eleven health plans. We describe the market shares of health plans in California and in each of the nineteen rating regions. We examine the empirical relationship between measures of provider market concentration--spanning health plans, hospitals, and medical groups--and rating region premiums. To do this, we analyze premiums for silver and bronze plans for specific age groups. We find both medical group concentration and hospital concentration to be positively associated with premiums, while health plan concentration is not statistically significant. We simulate the impact of reducing hospital concentration to levels that would exist in moderately competitive markets. This produces a predicted overall premium reduction of more than 2 percent. However, in three of the nineteen rating regions, the predicted premium reduction was more than 10 percent. These results suggest the importance of provider market concentration on premiums. Copyright © 2016 by Duke University Press.

77 FR 30377 - Health Insurance Premium Tax Credit

Federal Register 2010, 2011, 2012, 2013, 2014

2012-05-23

... Health Insurance Premium Tax Credit AGENCY: Internal Revenue Service (IRS), Treasury. ACTION: Final regulations. SUMMARY: This document contains final regulations relating to the health insurance premium tax credit enacted by the Patient Protection and Affordable Care Act and the Health Care and Education...

75 FR 16645 - Increase in the Primary Nuclear Liability Insurance Premium

Federal Register 2010, 2011, 2012, 2013, 2014

2010-04-02

... Primary Nuclear Liability Insurance Premium AGENCY: Nuclear Regulatory Commission. ACTION: Final rule... impractical. The NRC is amending its regulations to increase the primary premium for liability insurance... protection requirements and indemnity agreements to increase the primary nuclear liability insurance layer...

77 FR 69850 - Medicare Program; Medicare Part B Monthly Actuarial Rates, Premium Rate, and Annual Deductible...

Federal Register 2010, 2011, 2012, 2013, 2014

2012-11-21

... percent reserve has been the normal target used to calculate the Part B premium. In view of the strong... 0938-AR16 Medicare Program; Medicare Part B Monthly Actuarial Rates, Premium Rate, and Annual...

Study on Mergers. A Rationale for Conglomerate Mergers

DTIC Science & Technology

1978-11-01

acquired firms gain on the average. ([32], p. 175). The key variable explaining this distribution of costs and benefits is the "premium over the market...displays a wide variety of alternatives ( securities of shares) for the investor to distribute his budget. The investor is assumed to be a price-taker...any cash dividend or other cash distribution ). A portfolio is any combination of securities in the hands of an investor. At the extremes, a

Premium variation in the individual health insurance market.

PubMed

Herring, B; Pauly, M V

2001-03-01

Recent proposals to decrease the number of uninsured in the U.S. indicate that the individual health insurance market's role may increase. Amid fears of possible risk-segmentation in individual insurance, there exists limited information of the functioning of such markets. This paper examines the relationship between expected medical expense and actual paid premiums for households with individual insurance in the 1996-1997 Community Tracking Study's Household Survey. We find that premiums vary less than proportionately with expected expense and vary only with certain risk characteristics. We also explore how the relationship between risk and premiums is affected by local regulations and market characteristics. We find that premiums vary significantly less strongly with risk for persons insured by HMOs and in markets dominated by managed care insurers.

Structure and Properties of Thermite Welds in Premium Rails

DOT National Transportation Integrated Search

1985-12-01

Thermite welds were used to join combinations of premium rails and AREA Controlled Cooled Carbon rails (i.e., standard rails). The premium rails comprised head-hardened rails and CrMo, CrV and Cr alloy rails. A major objective was to determine the fe...

75 FR 9247 - Single Family Mortgage Insurance Premium, Single Family

Federal Register 2010, 2011, 2012, 2013, 2014

2010-03-01

... is soliciting public comments on the subject proposal. Lenders use the Single Family Premium... DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT [Docket No. FR-5376-N-13] Single Family Mortgage Insurance Premium, Single Family AGENCY: Office of the Chief Information Officer, HUD. ACTION: Notice...

24 CFR 203.283 - Refund of one-time MIP.

Code of Federal Regulations, 2010 CFR

2010-04-01

... SINGLE FAMILY MORTGAGE INSURANCE Contract Rights and Obligations Mortgage Insurance Premiums-One-Time... the mortgage was endorsed for insurance. The Commissioner shall determine the applicable premium... generated by insurance claims, and (3) expected future payments of premium refunds. [48 FR 28806, June 23...

24 CFR 203.283 - Refund of one-time MIP.

Code of Federal Regulations, 2011 CFR

2011-04-01

... SINGLE FAMILY MORTGAGE INSURANCE Contract Rights and Obligations Mortgage Insurance Premiums-One-Time... the mortgage was endorsed for insurance. The Commissioner shall determine the applicable premium... generated by insurance claims, and (3) expected future payments of premium refunds. [48 FR 28806, June 23...

42 CFR 422.404 - State premium taxes prohibited.

Code of Federal Regulations, 2010 CFR

2010-10-01

....404 Public Health CENTERS FOR MEDICARE & MEDICAID SERVICES, DEPARTMENT OF HEALTH AND HUMAN SERVICES (CONTINUED) MEDICARE PROGRAM MEDICARE ADVANTAGE PROGRAM Organization Compliance With State Law and Preemption by Federal Law § 422.404 State premium taxes prohibited. (a) Basic rule. No premium tax, fee, or...

National trends in occupational injuries before and after 1992 and predictors of workers' compensation costs.

PubMed

Bhushan, Abhinav; Leigh, J Paul

2011-01-01

Numbers and costs of occupational injuries and illnesses are significant in terms of morbidity and dollars, yet our understanding of time trends is minimal. We investigated trends and addressed some common hypotheses regarding causes of fluctuations. We pulled data on incidence rates (per 100 full-time employed workers) for injuries and illnesses from the U.S. Bureau of Labor Statistics and on costs and benefits from the National Academy of Social Insurance for 1973 through 2007. Rates reflected all injury and illness cases, lost work-time cases, and cases resulting in at least 31 days away from work. We adjusted dollar costs (premiums) and benefits for inflation and measured them per employed worker. We plotted data in time-trend charts and ran linear regressions. From 1973 to 1991, there was a weak to nonexistent downward trend for injury and illness rates, and rates were strongly and negatively correlated with the unemployment rate. From 1992 to 2007, there were strong, consistent downward trends, but no longer were there statistically significant correlations with unemployment. Significant predictors (and signs) of workers' compensation premiums for 1973-2007 included medical price inflation (positive), number of lost-time injuries (positive), the Dow Jones Industrial Average (negative), and inflation-adjusted interest rate on U.S. Treasury bonds (negative). Dollars of benefits were positively and significantly predicted by medical inflation and number of lost-time cases. For 1992-2007, the Dow Jones variable was the only robust predictor of premiums; the number of injuries was not a significant positive predictor. We had two major conclusions. First, the year 1992 marked a sharp contrast in trends and correlations between unemployment and incidence rates for occupational injuries and illnesses. Second, for the entire time period (1973-2007), insurance carriers' premiums were strongly associated with returns on investments.

National Trends in Occupational Injuries Before and After 1992 and Predictors of Workers' Compensation Costs

PubMed Central

Bhushan, Abhinav; Leigh, J. Paul

2011-01-01

Objective Numbers and costs of occupational injuries and illnesses are significant in terms of morbidity and dollars, yet our understanding of time trends is minimal. We investigated trends and addressed some common hypotheses regarding causes of fluctuations. Methods We pulled data on incidence rates (per 100 full-time employed workers) for injuries and illnesses from the U.S. Bureau of Labor Statistics and on costs and benefits from the National Academy of Social Insurance for 1973 through 2007. Rates reflected all injury and illness cases, lost work-time cases, and cases resulting in at least 31 days away from work. We adjusted dollar costs (premiums) and benefits for inflation and measured them per employed worker. We plotted data in time-trend charts and ran linear regressions. Results From 1973 to 1991, there was a weak to nonexistent downward trend for injury and illness rates, and rates were strongly and negatively correlated with the unemployment rate. From 1992 to 2007, there were strong, consistent downward trends, but no longer were there statistically significant correlations with unemployment. Significant predictors (and signs) of workers' compensation premiums for 1973–2007 included medical price inflation (positive), number of lost-time injuries (positive), the Dow Jones Industrial Average (negative), and inflation-adjusted interest rate on U.S. Treasury bonds (negative). Dollars of benefits were positively and significantly predicted by medical inflation and number of lost-time cases. For 1992–2007, the Dow Jones variable was the only robust predictor of premiums; the number of injuries was not a significant positive predictor. Conclusion We had two major conclusions. First, the year 1992 marked a sharp contrast in trends and correlations between unemployment and incidence rates for occupational injuries and illnesses. Second, for the entire time period (1973–2007), insurance carriers' premiums were strongly associated with returns on investments. PMID:21886322

Malpractice premiums and primary cesarean section rates in New York and Illinois.

PubMed Central

Rock, S M

1988-01-01

The fear of malpractice liability is mentioned frequently as a cause of increased cesarean section rates, but without quantitative investigations. This perception may be studied at an aggregate level by comparing malpractice insurance premiums, a proxy for liability risk, with primary cesarean section rates. Both New York and Illinois are divided into territories for insurance rates; the premium was uniform within each territory over the period studied for each specialty. Premiums for obstetricians were linked to birth and procedure data from New York and Illinois hospitals for 1981 and 1983, respectively, to determine whether there was a correlation between premium levels and the primary cesarean section rate. A statistically significant difference was found between mean cesarean rates by insurance premium territories in each State. A correlation was observed between increased insurance rates among territories and increased cesarean section rates. Based on these results, a substantial impact was found on delivery decisions resulting from the fear of malpractice suits. PMID:3140270

Obstetricians' rising liability insurance premiums and inductions at late preterm gestations.

PubMed

Murthy, Karna; Grobman, William A; Lee, Todd A; Holl, Jane L

2009-04-01

To estimate the association between professional liability insurance premiums for obstetricians and late preterm induction (LPI) rates. Data from the National Center for Health Statistics were used to identify all Illinois women pregnant with singletons at 34 weeks' gestation from 1991 to 2003. The independent association between LPI (induction between 34 and 37 weeks' gestation) rates and the previous year's obstetric malpractice insurance premiums was evaluated using linear regression. The mean annual LPI rate (5.4/1000 in 1991 to 15.2/1000 in 2003, P < 0.001) nearly tripled, and obstetricians' professional liability insurance premiums ($55,480 to $110,613, P < 0.001) approximately doubled. After adjusting for race, previous cesarean delivery, marital status, and the presence of antepartum risk factors for indicated preterm delivery, LPI rates increased by 1/1000 births (P = 0.004) for each annual $10,000 increase in the county's obstetric malpractice insurance premium. Rising premiums are associated with increased frequency of LPI among women with singleton gestations.

45 CFR 158.110 - Reporting requirements related to premiums and expenditures.

Code of Federal Regulations, 2011 CFR

2011-10-01

... expenditures. 158.110 Section 158.110 Public Welfare DEPARTMENT OF HEALTH AND HUMAN SERVICES REQUIREMENTS RELATING TO HEALTH CARE ACCESS ISSUER USE OF PREMIUM REVENUE: REPORTING AND REBATE REQUIREMENTS Disclosure and Reporting § 158.110 Reporting requirements related to premiums and expenditures. (a) General...

45 CFR 158.110 - Reporting requirements related to premiums and expenditures.

Code of Federal Regulations, 2014 CFR

2014-10-01

... expenditures. 158.110 Section 158.110 Public Welfare Department of Health and Human Services REQUIREMENTS RELATING TO HEALTH CARE ACCESS ISSUER USE OF PREMIUM REVENUE: REPORTING AND REBATE REQUIREMENTS Disclosure and Reporting § 158.110 Reporting requirements related to premiums and expenditures. (a) General...

45 CFR 158.110 - Reporting requirements related to premiums and expenditures.

Code of Federal Regulations, 2013 CFR

2013-10-01

... expenditures. 158.110 Section 158.110 Public Welfare DEPARTMENT OF HEALTH AND HUMAN SERVICES REQUIREMENTS RELATING TO HEALTH CARE ACCESS ISSUER USE OF PREMIUM REVENUE: REPORTING AND REBATE REQUIREMENTS Disclosure and Reporting § 158.110 Reporting requirements related to premiums and expenditures. (a) General...

45 CFR 158.110 - Reporting requirements related to premiums and expenditures.

Code of Federal Regulations, 2012 CFR

2012-10-01

... expenditures. 158.110 Section 158.110 Public Welfare DEPARTMENT OF HEALTH AND HUMAN SERVICES REQUIREMENTS RELATING TO HEALTH CARE ACCESS ISSUER USE OF PREMIUM REVENUE: REPORTING AND REBATE REQUIREMENTS Disclosure and Reporting § 158.110 Reporting requirements related to premiums and expenditures. (a) General...

76 FR 50931 - Health Insurance Premium Tax Credit

Federal Register 2010, 2011, 2012, 2013, 2014

2011-08-17

... Health Insurance Premium Tax Credit AGENCY: Internal Revenue Service (IRS), Treasury. ACTION: Notice of... relating 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 2010, as amended by the Medicare and...

45 CFR 162.1701 - Health plan premium payments transaction.

Code of Federal Regulations, 2013 CFR

2013-10-01

... 45 Public Welfare 1 2013-10-01 2013-10-01 false Health plan premium payments transaction. 162.1701 Section 162.1701 Public Welfare DEPARTMENT OF HEALTH AND HUMAN SERVICES ADMINISTRATIVE DATA STANDARDS AND RELATED REQUIREMENTS ADMINISTRATIVE REQUIREMENTS Health Plan Premium Payments § 162.1701 Health plan...

45 CFR 162.1701 - Health plan premium payments transaction.

Code of Federal Regulations, 2014 CFR

2014-10-01

... 45 Public Welfare 1 2014-10-01 2014-10-01 false Health plan premium payments transaction. 162.1701 Section 162.1701 Public Welfare Department of Health and Human Services ADMINISTRATIVE DATA STANDARDS AND RELATED REQUIREMENTS ADMINISTRATIVE REQUIREMENTS Health Plan Premium Payments § 162.1701 Health plan...

77 FR 41048 - Health Insurance Premium Tax Credit; Correction

Federal Register 2010, 2011, 2012, 2013, 2014

2012-07-12

... the health insurance premium tax credit enacted by the Patient Protection and Affordable Care Act and... DEPARTMENT OF THE TREASURY Internal Revenue Service 26 CFR Part 1 [TD 9590] RIN 1545-BJ82 Health Insurance Premium Tax Credit; Correction AGENCY: Internal Revenue Service (IRS), Treasury. ACTION...

77 FR 41048 - Health Insurance Premium Tax Credit; Correction

Federal Register 2010, 2011, 2012, 2013, 2014

2012-07-12

... Health Insurance Premium Tax Credit; Correction AGENCY: Internal Revenue Service (IRS), Treasury. ACTION... 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 2010. DATES: This correction is...

78 FR 687 - Bond Premium Carryforward

Federal Register 2010, 2011, 2012, 2013, 2014

2013-01-04

... regulations provide guidance on the tax treatment of a taxable debt instrument with a bond premium... issue of the Federal Register, the IRS is issuing temporary regulations that provide guidance on the tax treatment of a debt instrument with a bond premium carryforward in the holder's final accrual period...

78 FR 69140 - Submission of Information Collections for OMB Review; Comment Request; Payment of Premiums...

Federal Register 2010, 2011, 2012, 2013, 2014

2013-11-18

... PENSION BENEFIT GUARANTY CORPORATION Submission of Information Collections for OMB Review; Comment Request; Payment of Premiums; Termination Premium AGENCY: Pension Benefit Guaranty Corporation. ACTION... Benefit Guaranty Corporation (PBGC) is requesting that the Office of Management and Budget (OMB) extend...

24 CFR 207.254 - Changes in premiums; manner of publication.

Code of Federal Regulations, 2012 CFR

2012-04-01

... in premiums; manner of publication. Notice of future premium changes will be published in the Federal... Development (Continued) OFFICE OF ASSISTANT SECRETARY FOR HOUSING-FEDERAL HOUSING COMMISSIONER, DEPARTMENT OF... 30-day public comment period for the purpose of accepting comments on whether the proposed changes...

24 CFR 207.254 - Changes in premiums; manner of publication.

Code of Federal Regulations, 2013 CFR

2013-04-01

... in premiums; manner of publication. Notice of future premium changes will be published in the Federal... Development (Continued) OFFICE OF ASSISTANT SECRETARY FOR HOUSING-FEDERAL HOUSING COMMISSIONER, DEPARTMENT OF... 30-day public comment period for the purpose of accepting comments on whether the proposed changes...

24 CFR 213.256 - Premiums; insurance upon completion.

Code of Federal Regulations, 2011 CFR

2011-04-01

... 24 Housing and Urban Development 2 2011-04-01 2011-04-01 false Premiums; insurance upon completion... HOUSING AND URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES COOPERATIVE HOUSING MORTGAGE INSURANCE Contract Rights and Obligations-Projects § 213.256 Premiums...

Do insurers respond to risk adjustment? A long-term, nationwide analysis from Switzerland.

PubMed

von Wyl, Viktor; Beck, Konstantin

2016-03-01

Community rating in social health insurance calls for risk adjustment in order to eliminate incentives for risk selection. Swiss risk adjustment is known to be insufficient, and substantial risk selection incentives remain. This study develops five indicators to monitor residual risk selection. Three indicators target activities of conglomerates of insurers (with the same ownership), which steer enrollees into specific carriers based on applicants' risk profiles. As a proxy for their market power, those indicators estimate the amount of premium-, health care cost-, and risk-adjustment transfer variability that is attributable to conglomerates. Two additional indicators, derived from linear regression, describe the amount of residual cost differences between insurers that are not covered by risk adjustment. All indicators measuring conglomerate-based risk selection activities showed increases between 1996 and 2009, paralleling the establishment of new conglomerates. At their maxima in 2009, the indicator values imply that 56% of the net risk adjustment volume, 34% of premium variability, and 51% cost variability in the market were attributable to conglomerates. From 2010 onwards, all indicators decreased, coinciding with a pre-announced risk adjustment reform implemented in 2012. Likewise, the regression-based indicators suggest that the volume and variance of residual cost differences between insurers that are not equaled out by risk adjustment have decreased markedly since 2009 as a result of the latest reform. Our analysis demonstrates that risk-selection, especially by conglomerates, is a real phenomenon in Switzerland. However, insurers seem to have reduced risk selection activities to optimize their losses and gains from the latest risk adjustment reform.

Increasing Health Insurance Costs and the Decline in Insurance Coverage

PubMed Central

Chernew, Michael; Cutler, David M; Keenan, Patricia Seliger

2005-01-01

Objective To determine the impact of rising health insurance premiums on coverage rates. Data Sources & Study Setting Our analysis is based on two cohorts of nonelderly Americans residing in 64 large metropolitan statistical areas (MSAs) surveyed in the Current Population Survey in 1989–1991 and 1998–2000. Measures of premiums are based on data from the Health Insurance Association of America and the Kaiser Family Foundation/Health Research and Educational Trust Survey of Employer-Sponsored Health Benefits. Study Design Probit regression and instrumental variable techniques are used to estimate the association between rising local health insurance costs and the falling propensity for individuals to have any health insurance coverage, controlling for a rich array of economic, demographic, and policy covariates. Principal Findings More than half of the decline in coverage rates experienced over the 1990s is attributable to the increase in health insurance premiums (2.0 percentage points of the 3.1 percentage point decline). Medicaid expansions led to a 1 percentage point increase in coverage. Changes in economic and demographic factors had little net effect. The number of people uninsured could increase by 1.9–6.3 million in the decade ending 2010 if real, per capita medical costs increase at a rate of 1–3 percentage points, holding all else constant. Conclusions Initiatives aimed at reducing the number of uninsured must confront the growing pressure on coverage rates generated by rising costs. PMID:16033490

14 CFR 198.15 - Non-premium insurance-payment of registration binders.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 14 Aeronautics and Space 3 2012-01-01 2012-01-01 false Non-premium insurance-payment of registration binders. 198.15 Section 198.15 Aeronautics and Space FEDERAL AVIATION ADMINISTRATION, DEPARTMENT OF TRANSPORTATION (CONTINUED) WAR RISK INSURANCE AVIATION INSURANCE § 198.15 Non-premium insurance...

5 CFR 892.301 - How do I pay my premium?

Code of Federal Regulations, 2011 CFR

2011-01-01

... 5 Administrative Personnel 2 2011-01-01 2011-01-01 false How do I pay my premium? 892.301 Section 892.301 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT (CONTINUED) CIVIL SERVICE REGULATIONS (CONTINUED) FEDERAL FLEXIBLE BENEFITS PLAN: PRE-TAX PAYMENT OF HEALTH BENEFITS PREMIUMS Contributions and...

5 CFR 892.301 - How do I pay my premium?

Code of Federal Regulations, 2013 CFR

2013-01-01

... 5 Administrative Personnel 2 2013-01-01 2013-01-01 false How do I pay my premium? 892.301 Section 892.301 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT (CONTINUED) CIVIL SERVICE REGULATIONS (CONTINUED) FEDERAL FLEXIBLE BENEFITS PLAN: PRE-TAX PAYMENT OF HEALTH BENEFITS PREMIUMS Contributions and...

5 CFR 892.301 - How do I pay my premium?

Code of Federal Regulations, 2014 CFR

2014-01-01

... 5 Administrative Personnel 2 2014-01-01 2014-01-01 false How do I pay my premium? 892.301 Section 892.301 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT (CONTINUED) CIVIL SERVICE REGULATIONS (CONTINUED) FEDERAL FLEXIBLE BENEFITS PLAN: PRE-TAX PAYMENT OF HEALTH BENEFITS PREMIUMS Contributions and...

5 CFR 890.1109 - Premium payments.

Code of Federal Regulations, 2010 CFR

2010-01-01

..., he or she pays the premium charge for only the days actually covered. The daily premium rate is an... payments. (a) Except as provided in paragraph (b) of this section, the enrollee must pay the full... withholdings, plus the administrative charge described under § 890.1113, for every pay period during which the...

75 FR 15496 - Agency Information Collection (Service-Disabled Veterans Insurance-Waiver of Premiums) Activities...

Federal Register 2010, 2011, 2012, 2013, 2014

2010-03-29

...-Disabled Veterans Insurance--Waiver of Premiums) Activities: Under OMB Review AGENCY: Veterans Benefits...-Disabled Veterans Insurance--Waiver of Premiums, VA Form 29-0812. OMB Control Number: 2900-0700. Type of Review: Extension of a currently approved collection. Abstract: Claimants who become totally disabled...

75 FR 2593 - Proposed Information Collection (Service-Disabled Veterans Insurance-Waiver of Premiums); Comment...

Federal Register 2010, 2011, 2012, 2013, 2014

2010-01-15

... (Service-Disabled Veterans Insurance--Waiver of Premiums); Comment Request AGENCY: Veterans Benefits... information technology. Title: Service-Disabled Veterans Insurance--Waiver of Premiums, VA Form 29-0812. OMB...: Claimants who become totally disabled complete VA Form 29-0812 to apply for a waiver of their Service...

5 CFR 892.202 - Are retirees eligible for the premium conversion plan?

Code of Federal Regulations, 2010 CFR

2010-01-01

... conversion plan? 892.202 Section 892.202 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT (CONTINUED) CIVIL SERVICE REGULATIONS (CONTINUED) FEDERAL FLEXIBLE BENEFITS PLAN: PRE-TAX PAYMENT OF HEALTH BENEFITS PREMIUMS Eligibility and Participation § 892.202 Are retirees eligible for the premium conversion plan? No...

5 CFR 892.301 - How do I pay my premium?

Code of Federal Regulations, 2010 CFR

2010-01-01

... 5 Administrative Personnel 2 2010-01-01 2010-01-01 false How do I pay my premium? 892.301 Section 892.301 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT (CONTINUED) CIVIL SERVICE REGULATIONS (CONTINUED) FEDERAL FLEXIBLE BENEFITS PLAN: PRE-TAX PAYMENT OF HEALTH BENEFITS PREMIUMS Contributions and...

5 CFR 892.201 - Who is covered by the premium conversion plan?

Code of Federal Regulations, 2010 CFR

2010-01-01

... plan? 892.201 Section 892.201 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT (CONTINUED) CIVIL SERVICE REGULATIONS (CONTINUED) FEDERAL FLEXIBLE BENEFITS PLAN: PRE-TAX PAYMENT OF HEALTH BENEFITS PREMIUMS Eligibility and Participation § 892.201 Who is covered by the premium conversion plan? (a) All...

Making sense of the labor market height premium: Evidence from the British Household Panel Survey.

PubMed

Case, Anne; Paxson, Christina; Islam, Mahnaz

2009-03-01

We use data from the British Household Panel Survey to examine the labor market premium in height. Most of the premium is explained by higher average educational attainment and sorting into higher-status occupations and industries by those who are taller.

42 CFR 447.66 - General alternative premium protections.

Code of Federal Regulations, 2011 CFR

2011-10-01

... 42 Public Health 4 2011-10-01 2011-10-01 false General alternative premium protections. 447.66 Section 447.66 Public Health CENTERS FOR MEDICARE & MEDICAID SERVICES, DEPARTMENT OF HEALTH AND HUMAN SERVICES (CONTINUED) MEDICAL ASSISTANCE PROGRAMS PAYMENTS FOR SERVICES Payments: General Provisions Alternative Premiums and Cost Sharing Under Sectio...

42 CFR 447.66 - General alternative premium protections.

Code of Federal Regulations, 2012 CFR

2012-10-01

... 42 Public Health 4 2012-10-01 2012-10-01 false General alternative premium protections. 447.66 Section 447.66 Public Health CENTERS FOR MEDICARE & MEDICAID SERVICES, DEPARTMENT OF HEALTH AND HUMAN SERVICES (CONTINUED) MEDICAL ASSISTANCE PROGRAMS PAYMENTS FOR SERVICES Payments: General Provisions Alternative Premiums and Cost Sharing Under Sectio...

42 CFR 447.66 - General alternative premium protections.

Code of Federal Regulations, 2013 CFR

2013-10-01

... 42 Public Health 4 2013-10-01 2013-10-01 false General alternative premium protections. 447.66 Section 447.66 Public Health CENTERS FOR MEDICARE & MEDICAID SERVICES, DEPARTMENT OF HEALTH AND HUMAN SERVICES (CONTINUED) MEDICAL ASSISTANCE PROGRAMS PAYMENTS FOR SERVICES Payments: General Provisions Alternative Premiums and Cost Sharing Under Sectio...

42 CFR 447.66 - General alternative premium protections.

Code of Federal Regulations, 2010 CFR

2010-10-01

... 42 Public Health 4 2010-10-01 2010-10-01 false General alternative premium protections. 447.66 Section 447.66 Public Health CENTERS FOR MEDICARE & MEDICAID SERVICES, DEPARTMENT OF HEALTH AND HUMAN SERVICES (CONTINUED) MEDICAL ASSISTANCE PROGRAMS PAYMENTS FOR SERVICES Payments: General Provisions Alternative Premiums and Cost Sharing Under Sectio...

45 CFR 158.241 - Form of rebate.

Code of Federal Regulations, 2011 CFR

2011-10-01

... method that was used for payment, such as credit card or direct debit. ... in the form of a premium credit, lump-sum check, or, if an enrollee paid the premium using a credit card or direct debit, by lump-sum reimbursement to the account used to pay the premium. (2) Any rebate...

78 FR 58290 - TRICARE; Calendar Year 2014 TRICARE Young Adult Program Premium Update

Federal Register 2010, 2011, 2012, 2013, 2014

2013-09-23

... DEPARTMENT OF DEFENSE Office of the Secretary TRICARE; Calendar Year 2014 TRICARE Young Adult... Young Adult Premiums for Calendar Year 2014. SUMMARY: This notice provides the updated TRICARE Young Adult program premiums for Calendar Year (CY) 2014. DATES: The CY 2014 rates contained in this notice...

Big assumptions for small samples in crop insurance

Treesearch

Ashley Elaine Hungerford; Barry Goodwin

2014-01-01

The purpose of this paper is to investigate the effects of crop insurance premiums being determined by small samples of yields that are spatially correlated. If spatial autocorrelation and small sample size are not properly accounted for in premium ratings, the premium rates may inaccurately reflect the risk of a loss.

24 CFR 203.288 - Discontinuance of adjusted premium charge.

Code of Federal Regulations, 2010 CFR

2010-04-01

... instrument, there shall be no adjusted mortgage insurance premium due the Commissioner on account of the... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Discontinuance of adjusted premium... HOUSING AND URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER...

12 CFR 572.5 - Escrow requirement.

Code of Federal Regulations, 2010 CFR

2010-01-01

..., insurance premiums, fees, or any other charges for a loan secured by residential improved real estate or a... association shall also require the escrow of all premiums and fees for any flood insurance required under... deposit the flood insurance premiums on behalf of the borrower in an escrow account. This escrow account...

31 CFR 337.13 - Payment of mortgage insurance premiums.

Code of Federal Regulations, 2010 CFR

2010-07-01

... insurance premiums. When book-entry debentures are being purchased prior to maturity to pay for mortgage insurance premiums, the difference between the amount of the debentures purchased and the mortgage insurance... 31 Money and Finance: Treasury 2 2010-07-01 2010-07-01 false Payment of mortgage insurance...

12 CFR 708b.102 - Special provisions for federal insurance.

Code of Federal Regulations, 2010 CFR

2010-01-01

... is federally-insured, the NCUSIF will assess a deposit and a prorated insurance premium (unless... Regional Director approves the merger, the NCUSIF will assess a deposit and a prorated insurance premium... and to a refund of the unused portion of the NCUSIF share insurance premium (if any). If the...