The Health And Wealth Of A Nation Employer Based Health Insurance And The Affordable Care Act

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The Health and Wealth of a Nation: Employer-Based Health Insurance and the Affordable Care Act

Author : Nan L. Maxwell
Publisher : W.E. Upjohn Institute
ISBN 13 : 0880994266
Total Pages : 208 pages
Book Rating : 4.8/5 (89 download)

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Book Synopsis The Health and Wealth of a Nation: Employer-Based Health Insurance and the Affordable Care Act by : Nan L. Maxwell

Download or read book The Health and Wealth of a Nation: Employer-Based Health Insurance and the Affordable Care Act written by Nan L. Maxwell and published by W.E. Upjohn Institute. This book was released on 2014-05-14 with total page 208 pages. Available in PDF, EPUB and Kindle. Book excerpt: And Discussion4: How Large Firms Might Respond to the ACA; The ACA and Increasing Costs; Large Firms' Behavior as a Response to Increasing Costs; Past Behavior and Potential Increased Health Care Costs; Summary and Discussion; 5: How Small Firms Might Respond to the ACA; The ACA and Small Firms; Small Firms That Did Not Offer ESI; Small Firms That Offered ESI; Summary and Discussion; 6: Health Policy and Firm Behavior; Analyzing Incentives for Firms to Offer ESI; Firms' Prereform Behavior; Three Characteristics of Employer-Sponsored Insurance in the Prereform Period

Landmark

Author : Staff of the Washington Post
Publisher : PublicAffairs
ISBN 13 : 1586489356
Total Pages : 290 pages
Book Rating : 4.5/5 (864 download)

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Book Synopsis Landmark by : Staff of the Washington Post

Download or read book Landmark written by Staff of the Washington Post and published by PublicAffairs. This book was released on 2010-04-27 with total page 290 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Washington Post's must-read guide to the health care overhaul What now? Despite the rancorous, divisive, year-long debate in Washington, many Americans still don't understand what the historic overhaul of the health care system will -- or won't -- mean. In Landmark, the national reporting staff of The Washington Post pierces through the confusion, examining the new law's likely impact on us all: our families, doctors, hospitals, health care providers, insurers, and other parts of a health care system that has grown to occupy one-sixth of the U.S. economy. Landmark's behind-the-scenes narrative reveals how just how close the law came to defeat, as well as the compromises and deals that President Obama and his Democratic majority in Congress made in achieving what has eluded their predecessors for the past seventy-five years: A legislative package that expands and transforms American health care coverage. Landmark is an invaluable resource for anyone eager to understand the changes coming our way.

The End of Employer-Provided Health Insurance

Author : Paul Zane Pilzer
Publisher : John Wiley & Sons
ISBN 13 : 1119012112
Total Pages : 288 pages
Book Rating : 4.1/5 (19 download)

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Book Synopsis The End of Employer-Provided Health Insurance by : Paul Zane Pilzer

Download or read book The End of Employer-Provided Health Insurance written by Paul Zane Pilzer and published by John Wiley & Sons. This book was released on 2014-11-17 with total page 288 pages. Available in PDF, EPUB and Kindle. Book excerpt: How to save 20 to 60 percent on health insurance! The End of Employer-Provided Health Insurance is a comprehensive guide to utilizing new individual health plans to save 20 to 60 percent on health insurance. This book is written to ensure that you, your family, and your company get your fair share of the trillions of dollars the U.S. government will spend subsidizing individual health insurance plans between now and 2025. You will learn how to navigate the Affordable Care Act to save money without sacrificing coverage, and how to choose the plan that offers exactly what you, your family and your company need. Over the next 10 years, 100 million Americans will move from employer-provided to individually purchased health insurance. The purpose of The End of Employer-Provided Health Insurance is to show you how to profit from this paradigm shift while helping you, your family, and your employees get better and safer health insurance at lower cost. It will help you save thousands of dollars per person each year and protect you from the greatest threat to your financial future—our nation's broken employer-provided health insurance system. We are at the beginning of a paradigm shift in the way businesses offer employee health benefits and the way Americans get health insurance—a shift from an employer-driven defined benefit model to an individual-driven defined contribution model. This parallels a similar shift in employer-provided retirement benefits that took place two to three decades ago from defined benefit to defined contribution retirement plans. Written by a world-renowned economist and New York Times best-selling author, this insightful guide explains how individual health insurance offers more to employees than employer-provided plans. Using the techniques outlined in this book, you and your employer will save money on health insurance by migrating from employer-provided health insurance coverage to employer-funded individual plans at a total cost that is 20 percent to 60 percent lower for the same coverage. That's $4,000 to $12,000 in savings per year for a family of four for the same hospitals, same doctors, and same prescriptions.

The Affordable Care Act and Health Insurance Markets

Author : Christine Eibner
Publisher : Rand Corporation
ISBN 13 : 0833081241
Total Pages : 117 pages
Book Rating : 4.8/5 (33 download)

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Book Synopsis The Affordable Care Act and Health Insurance Markets by : Christine Eibner

Download or read book The Affordable Care Act and Health Insurance Markets written by Christine Eibner and published by Rand Corporation. This book was released on 2013-08-29 with total page 117 pages. Available in PDF, EPUB and Kindle. Book excerpt: In this report, the authors estimate the effects of the Affordable Care Act on health insurance enrollment and premiums for ten states (Florida, Kansas, Louisiana, Minnesota, New Mexico, North Dakota, Ohio, Pennsylvania, South Carolina, and Texas) and for the nation overall, with a focus on outcomes in the nongroup and small group markets.

Essential Health Benefits

Author : Institute of Medicine
Publisher : National Academies Press
ISBN 13 : 0309219140
Total Pages : 256 pages
Book Rating : 4.3/5 (92 download)

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Book Synopsis Essential Health Benefits by : Institute of Medicine

Download or read book Essential Health Benefits written by Institute of Medicine and published by National Academies Press. This book was released on 2012-02-17 with total page 256 pages. Available in PDF, EPUB and Kindle. Book excerpt: In 2010, an estimated 50 million people were uninsured in the United States. A portion of the uninsured reflects unemployment rates; however, this rate is primarily a reflection of the fact that when most health plans meet an individual's needs, most times, those health plans are not affordable. Research shows that people without health insurance are more likely to experience financial burdens associated with the utilization of health care services. But even among the insured, underinsurance has emerged as a barrier to care. The Patient Protection and Affordable Care Act (ACA) has made the most comprehensive changes to the provision of health insurance since the development of Medicare and Medicaid by requiring all Americans to have health insurance by 2016. An estimated 30 million individuals who would otherwise be uninsured are expected to obtain insurance through the private health insurance market or state expansion of Medicaid programs. The success of the ACA depends on the design of the essential health benefits (EHB) package and its affordability. Essential Health Benefits recommends a process for defining, monitoring, and updating the EHB package. The book is of value to Assistant Secretary for Planning and Evaluation (ASPE) and other U.S. Department of Health and Human Services agencies, state insurance agencies, Congress, state governors, health care providers, and consumer advocates.

Employment and Health Benefits

Author : Institute of Medicine
Publisher : National Academies Press
ISBN 13 : 0309048273
Total Pages : 381 pages
Book Rating : 4.3/5 (9 download)

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Book Synopsis Employment and Health Benefits by : Institute of Medicine

Download or read book Employment and Health Benefits written by Institute of Medicine and published by National Academies Press. This book was released on 1993-02-01 with total page 381 pages. Available in PDF, EPUB and Kindle. Book excerpt: The United States is unique among economically advanced nations in its reliance on employers to provide health benefits voluntarily for workers and their families. Although it is well known that this system fails to reach millions of these individuals as well as others who have no connection to the work place, the system has other weaknesses. It also has many advantages. Because most proposals for health care reform assume some continued role for employers, this book makes an important contribution by describing the strength and limitations of the current system of employment-based health benefits. It provides the data and analysis needed to understand the historical, social, and economic dynamics that have shaped present-day arrangements and outlines what might be done to overcome some of the access, value, and equity problems associated with current employer, insurer, and government policies and practices. Health insurance terminology is often perplexing, and this volume defines essential concepts clearly and carefully. Using an array of primary sources, it provides a store of information on who is covered for what services at what costs, on how programs vary by employer size and industry, and on what governments doâ€"and do not doâ€"to oversee employment-based health programs. A case study adapted from real organizations' experiences illustrates some of the practical challenges in designing, managing, and revising benefit programs. The sometimes unintended and unwanted consequences of employer practices for workers and health care providers are explored. Understanding the concepts of risk, biased risk selection, and risk segmentation is fundamental to sound health care reform. This volume thoroughly examines these key concepts and how they complicate efforts to achieve efficiency and equity in health coverage and health care. With health care reform at the forefront of public attention, this volume will be important to policymakers and regulators, employee benefit managers and other executives, trade associations, and decisionmakers in the health insurance industry, as well as analysts, researchers, and students of health policy.

Health Care Reform and American Politics

Author : Lawrence Jacobs
Publisher : Oxford University Press
ISBN 13 : 0190262060
Total Pages : 238 pages
Book Rating : 4.1/5 (92 download)

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Book Synopsis Health Care Reform and American Politics by : Lawrence Jacobs

Download or read book Health Care Reform and American Politics written by Lawrence Jacobs and published by Oxford University Press. This book was released on 2015-11-27 with total page 238 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Patient Protection and Affordable Care Act signed by President Obama in March 2010 is a landmark in U.S. social legislation, and the Supreme Court's recent decision upholding the Act has ensured that it will remain the law of the land. The new law extends health insurance to nearly all Americans, fulfilling a century-long quest and bringing the United States to parity with other industrial nations. Affordable Care aims to control rapidly rising health care costs and promises to make the United States more equal, reversing four decades of rising disparities between the very rich and everyone else. Millions of people of modest means will gain new benefits and protections from insurance company abuses - and the tab will be paid by privileged corporations and the very rich. How did such a bold reform effort pass in a polity wracked by partisan divisions and intense lobbying by special interests? What does Affordable Care mean - and what comes next? In this updated edition of Health Care Reform and American Politics: What Everyone Needs to Know®, Lawrence R. Jacobs and Theda Skocpol - two of the nation's leading experts on politics and health care policy - provide a concise and accessible overview. They explain the political battles of 2009 and 2010, highlighting White House strategies, the deals Democrats cut with interest groups, and the impact of agitation by Tea Partiers and progressives. Jacobs and Skocpol spell out what the new law can do for everyday Americans, what it will cost, and who will pay. In a new section, they also analyze the impact the Supreme Court ruling that upheld the law. Above all, they explain what comes next, as critical yet often behind-the-scenes battles rage over implementing reform nationally and in the fifty states. Affordable Care still faces challenges at the state level despite the Court ruling. But, like Social Security and Medicare, it could also gain strength and popularity as the majority of Americans learn what it can do for them.

The Trillion Dollar Revolution

Author : Ezekiel J. Emanuel
Publisher : PublicAffairs
ISBN 13 : 1541797779
Total Pages : 415 pages
Book Rating : 4.5/5 (417 download)

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Book Synopsis The Trillion Dollar Revolution by : Ezekiel J. Emanuel

Download or read book The Trillion Dollar Revolution written by Ezekiel J. Emanuel and published by PublicAffairs. This book was released on 2020-03-03 with total page 415 pages. Available in PDF, EPUB and Kindle. Book excerpt: Ten years after the landmark legislation, Ezekiel Emanuel leads a crowd of experts, policy-makers, doctors, and scholars as they evaluate the Affordable Care Act's history so far. In March 2010, the Affordable Care Act officially became one of the seminal laws determining American health care. From day one, the law was challenged in court, making it to the Supreme Court four separate times. It transformed the way a three-trillion-dollar sector of the economy behaved and brought insurance to millions of people. It spawned the Tea Party, further polarized American politics, and affected the electoral fortunes of both parties. Ten years after the bill's passage, a constellation of experts--insiders and academics for and against the ACA--describe the momentousness of the legislation. Encompassing Democrats and Republicans, along with legal, financial, and health policy experts, the essays here offer a fascinating and revealing insight into the political fight of a generation, its consequences for health care, politics, law, the economy-and the future.

Patient Protection and Affordable Care Act

Author : U.s. Government Accountability Office
Publisher :
ISBN 13 : 9781974236497
Total Pages : 42 pages
Book Rating : 4.2/5 (364 download)

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Book Synopsis Patient Protection and Affordable Care Act by : U.s. Government Accountability Office

Download or read book Patient Protection and Affordable Care Act written by U.s. Government Accountability Office and published by . This book was released on 2017-08-04 with total page 42 pages. Available in PDF, EPUB and Kindle. Book excerpt: "The share of employers offering health coverage has generally declined in the last decade. Researchers believe that certain provisions of PPACA could affect employers' future willingness to offer health coverage, such as the availability of subsidized coverage through new health insurance marketplaces called "exchanges" and an "individual mandate," which will require most people to obtain health coverage or pay a tax penalty. Certain PPACA provisions are scheduled to take effect in 2014. Researchers have provided various estimates of the effect PPACA may have on employer-sponsored coverage.GAO was asked to review the research on this topic. GAO examined (1) estimates of the effect of PPACA on the extent of employer-sponsored coverage; (2) factors that may contribute to the variation in estimates; and (3) how estimates of coverage vary by the types of employers and employees that may be affected, as well as other changes employers may be considering to the health benefits they offer. GAO reviewed studies published from January 1, 2009, through March 30, 2012 containing an original numerical estimate of the prevalence of employer-sponsored coverage at the national level. These included 5 microsimulation models and 19 employer surveys. Microsimulation models can systematically estimate the combined effects of multiple PPACA provisions in terms of both gains and losses of coverage; their results are based on multiple data sets and"

US Health: A Failed System:

Author : Liaropoulos, Lykourgos
Publisher : Stergiou Limited
ISBN 13 : 1910370894
Total Pages : 153 pages
Book Rating : 4.9/5 (13 download)

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Book Synopsis US Health: A Failed System: by : Liaropoulos, Lykourgos

Download or read book US Health: A Failed System: written by Liaropoulos, Lykourgos and published by Stergiou Limited. This book was released on 2016-10-29 with total page 153 pages. Available in PDF, EPUB and Kindle. Book excerpt: Health has been one of the most frequent issues arising in the Social Policy debate for the last 60 or more years. The answers given vary according to political ideology, economic expediency, and the moral standing of individuals and society. The sources of funding are essentially two: either the individual directly, or a larger group acting on his behalf. In the second case, we have two main categories. The individual is either covered by private for-profit insurance, or by a public insurance scheme financed by mandatory employment contributions and/or by taxes on income and/or wealth. The economic implications of each form of health insurance are immense—for individuals, employers, the government, and for the economy as a whole. The main differentiation is the position of health care in the value system of society. If health care is considered a right, its financing must be similar to that of other public goods or rights such as justice, national security, personal safety, basic education, etc. At the same time, the provision of all public goods is a public responsibility and government is judged by how well it measures up to this responsibility. If, on the other hand, health care is considered a good, bought and sold on the market, then it is up to individuals to provide for themselves. Obviously, this fundamental issue belongs to the sphere of politics and is up to society to judge, according to its code of ethics. The time to decide has come in America, somewhat belatedly, but in a way more acute than ever. The health of individuals, but also and mainly the economic health of the nation, depends on the decision.

150 Years of ObamaCare

Author : Daniel E. Dawes
Publisher : JHU Press
ISBN 13 : 1421419645
Total Pages : 309 pages
Book Rating : 4.4/5 (214 download)

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Book Synopsis 150 Years of ObamaCare by : Daniel E. Dawes

Download or read book 150 Years of ObamaCare written by Daniel E. Dawes and published by JHU Press. This book was released on 2016-05-15 with total page 309 pages. Available in PDF, EPUB and Kindle. Book excerpt: Go behind the curtain of the creation and implementation of the Affordable Care Act. In this groundbreaking book, health-care attorney Daniel E. Dawes explores the secret backstory of the Affordable Care Act, shedding light on the creation and implementation of the greatest and most sweeping equalizer in the history of American health care. An eye-opening and authoritative narrative written from an insider’s perspective, 150 Years of ObamaCare debunks contemporary understandings of health reform. It also provides a comprehensive and unprecedented review of the health equity movement and the little-known leadership efforts that were crucial to passing public policies and laws reforming mental health, minority health, and universal health. An instrumental player in a large coalition of organizations that helped shape ObamaCare, Dawes tells the story of the Affordable Care Act with urgency and intimate detail. He reveals what went on behind the scenes by including copies of letters and e-mails written by the people and groups who worked to craft and pass the law. Dawes explains the law through a health equity lens, focusing on what it is meant to do and how it affects various groups. Ultimately, he argues that ObamaCare is much more comprehensive in the context of previous reform efforts than is typically understood. In an increasingly polarized political environment, health reform has been caught in the cross fire of the partisan struggle, making it difficult to separate fact from fiction. Offering unparalleled and complete insight into the efforts by the Obama administration, Congress, and external stakeholders, 150 Years of ObamaCare illuminates one of the most challenging legislative feats in the history of the United States.

Coverage Matters

Author : Institute of Medicine
Publisher : National Academies Press
ISBN 13 : 0309076099
Total Pages : 204 pages
Book Rating : 4.3/5 (9 download)

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Book Synopsis Coverage Matters by : Institute of Medicine

Download or read book Coverage Matters written by Institute of Medicine and published by National Academies Press. This book was released on 2001-10-27 with total page 204 pages. Available in PDF, EPUB and Kindle. Book excerpt: Roughly 40 million Americans have no health insurance, private or public, and the number has grown steadily over the past 25 years. Who are these children, women, and men, and why do they lack coverage for essential health care services? How does the system of insurance coverage in the U.S. operate, and where does it fail? The first of six Institute of Medicine reports that will examine in detail the consequences of having a large uninsured population, Coverage Matters: Insurance and Health Care, explores the myths and realities of who is uninsured, identifies social, economic, and policy factors that contribute to the situation, and describes the likelihood faced by members of various population groups of being uninsured. It serves as a guide to a broad range of issues related to the lack of insurance coverage in America and provides background data of use to policy makers and health services researchers.

Patient Protection and Affordable Care Act

Author : John E. Dicken
Publisher :
ISBN 13 : 9781457837913
Total Pages : 41 pages
Book Rating : 4.8/5 (379 download)

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Book Synopsis Patient Protection and Affordable Care Act by : John E. Dicken

Download or read book Patient Protection and Affordable Care Act written by John E. Dicken and published by . This book was released on 2013-01-07 with total page 41 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Perspectives on Essential Health Benefits

Author : Institute of Medicine
Publisher : National Academies Press
ISBN 13 : 0309215439
Total Pages : 182 pages
Book Rating : 4.3/5 (92 download)

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Book Synopsis Perspectives on Essential Health Benefits by : Institute of Medicine

Download or read book Perspectives on Essential Health Benefits written by Institute of Medicine and published by National Academies Press. This book was released on 2012-02-10 with total page 182 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Patient Protection and Affordable Care Act (herein known as the Affordable Care Act [ACA]) was signed into law on March 23, 2010. Several provisions of the law went into effect in 2010 (including requirements to cover children up to age 26 and to prohibit insurance companies from denying coverage based on preexisting conditions for children). Other provisions will go into effect during 2014, including the requirement for all individuals to purchase health insurance. In 2014, insurance purchasers will be allowed, but not obliged, to buy their coverage through newly established health insurance exchanges (HIEs)-marketplaces designed to make it easier for customers to comparison shop among plans and for low and moderate income individuals to obtain public subsidies to purchase private health insurance. The exchanges will offer a choice of private health plans, and all plans must include a standard core set of covered benefits, called essential health benefits (EHBs). The Department of Health and Human Services requested that the Institute of Medicine (IOM) recommend criteria and methods for determining and updating the EHBs. In response, the IOM convened two workshops in 2011 where experts from federal and state government, as well as employers, insurers, providers, consumers, and health care researchers were asked to identify current methods for determining medical necessity, and share decision-making approaches to determining which benefits would be covered and other benefit design practices. Essential Health Benefits summarizes the presentations in this workshop. The committee's recommendations will be released in a subsequent report.

The Incidence of Mandated Health Insurance

Author : Gopi Shah Goda
Publisher :
ISBN 13 :
Total Pages : 36 pages
Book Rating : 4.:/5 (936 download)

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Book Synopsis The Incidence of Mandated Health Insurance by : Gopi Shah Goda

Download or read book The Incidence of Mandated Health Insurance written by Gopi Shah Goda and published by . This book was released on 2016 with total page 36 pages. Available in PDF, EPUB and Kindle. Book excerpt: The dependent care mandate is one of the most popular provisions of the 2010 Affordable Care Act (ACA). This provision requires that employer-based insurance plans cover health care expenditures for workers with children 26 years old or younger. While there has been considerable scholarly and policy interest in the effects of this mandate on health insurance coverage among young adults, there has been little scholarly work measuring the costs and incidence of this mandate and who pays the costs of it. In our empirical work, we exploit the fact that some states had dependent care mandates in years prior to the passage of the ACA. Using data from the Survey of Income and Program Participation (SIPP), we find that workers at firms with employer-based coverage -- whether or not they have dependent children -- experience an annual reduction in wages of approximately $1,200. Our results imply that the marginal costs of mandated employer-based coverage expansions are not entirely borne only by the people whose coverage is expanded by the mandate.

Obamacare Simplified

Author : Zephyros Press
Publisher : Sourcebooks, Inc.
ISBN 13 : 1623152755
Total Pages : 221 pages
Book Rating : 4.6/5 (231 download)

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Book Synopsis Obamacare Simplified by : Zephyros Press

Download or read book Obamacare Simplified written by Zephyros Press and published by Sourcebooks, Inc.. This book was released on 2013-11-14 with total page 221 pages. Available in PDF, EPUB and Kindle. Book excerpt: ObamaCare is a complex law that will affect every single American. Everyone has an opinion about ObamaCare, but few people actually understand how the Affordable Care Act works. ObamaCare Simplified navigates you through the intricacies of the health care law and explains what it means for you. Whether you are satisfied with your present insurance or seeking to get insured, ObamaCare Simplified informs you of your rights, presents the facts, and will help you make well-informed decisions when it comes to your health care plan. ObamaCare Simplified provides an easy-to-follow guide to the Affordable Care Act and what you need to know, offering: An overview of the goals and structure of ObamaCare, and how it changes the current health care system A "how it works" section that explains the individual mandate, insurance exchanges, and ObamaCare funding An ObamaCare timeline that provides a year-by-year breakdown of the law's implementation and what you need to know Spotlights on "what ObamaCare means for you," which explore the different impact of the law on various groups, including: senior citizens, immigrants, small-business employers, employees, uninsured individuals, and more Information on how ObamaCare affects individuals, depending on age, income, and employment status Taking care of your health should be your most vital priority. ObamaCare Simplified is your complete guide to understanding how ObamaCare works and what it means for your health care.

Communities in Action

Author : National Academies of Sciences, Engineering, and Medicine
Publisher : National Academies Press
ISBN 13 : 0309452961
Total Pages : 583 pages
Book Rating : 4.3/5 (94 download)

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Book Synopsis Communities in Action by : National Academies of Sciences, Engineering, and Medicine

Download or read book Communities in Action written by National Academies of Sciences, Engineering, and Medicine and published by National Academies Press. This book was released on 2017-04-27 with total page 583 pages. Available in PDF, EPUB and Kindle. Book excerpt: In the United States, some populations suffer from far greater disparities in health than others. Those disparities are caused not only by fundamental differences in health status across segments of the population, but also because of inequities in factors that impact health status, so-called determinants of health. Only part of an individual's health status depends on his or her behavior and choice; community-wide problems like poverty, unemployment, poor education, inadequate housing, poor public transportation, interpersonal violence, and decaying neighborhoods also contribute to health inequities, as well as the historic and ongoing interplay of structures, policies, and norms that shape lives. When these factors are not optimal in a community, it does not mean they are intractable: such inequities can be mitigated by social policies that can shape health in powerful ways. Communities in Action: Pathways to Health Equity seeks to delineate the causes of and the solutions to health inequities in the United States. This report focuses on what communities can do to promote health equity, what actions are needed by the many and varied stakeholders that are part of communities or support them, as well as the root causes and structural barriers that need to be overcome.