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Employer-Sponsored Insurance Under Health Reform: Reports of Its Demise Are Premature

January 24, 2011

Compares estimated changes in employer health coverage and total spending by firm size; offer rates among small firms, and premium trends under the 2010 healthcare reform law and without reform. Discusses factors that will keep ESI coverage rates steady.

Why the Individual Mandate Matters

December 20, 2010

Compares estimates of coverage rates for the nonelderly and of spending by government, employers, individuals, and the overall health system under the 2010 healthcare reform law and estimates under a scenario in which the individual mandate is eliminated.

The Effects of Large Premium Increases on Individuals, Families, and Small Businesses

March 31, 2010

Estimates the impact of rising insurance premiums on coverage, costs, adverse selection, public spending, and small employers' offers of insurance under three scenarios. Compares projections for loss of coverage by age, income, and type of insurance.

Health Care Spending Under Reform: Less Uncompensated Care and Lower Costs to Small Employers

January 29, 2010

Estimates the implications of the House reform bill passed in 2009 for coverage distribution, cost of uncompensated care for the uninsured, and employers' net costs by firm size, and individual and family spending by income. Considers budgetary benefits.

Premium and Cost-Sharing Subsidies Under Health Reform: Implications for Coverage, Costs and Affordability

December 10, 2009

Using the Urban Institute's simulation model, estimates household financial burdens under House and Senate healthcare reform bills. Compares coverage and affordability under various reform options by source of coverage, income, healthcare needs, and age.

Age Rating Under Comprehensive Health Care Reform: Implications for Coverage, Costs and Household Financial Burdens

October 7, 2009

Quantifies the implications of policy options on the practice of varying insurance premiums by age for the government, employers, and families of different ages, incomes, and sizes. Examines coverage, aggregate and household costs, and non-group premiums.

The Cost of Failure to Enact Health Reform: Implications for States

September 30, 2009

Estimates the impact of not enacting health reforms on each state's insurance coverage, public spending, employers' share of premiums, and families' premiums and out-of-pocket costs in 2014 and 2019, under three scenarios for income and healthcare costs.

Health Reform: The Cost of Failure

May 29, 2009

Estimates the intermediate and long-term implications of not enacting healthcare reform. Simulates the effects on employer-sponsored insurance, private non-group coverage, and Medicaid and State Children's Health Insurance Programs under three scenarios.

The Coverage and Cost Impacts of Expanding Medicaid

May 12, 2009

Estimates the drop in the number of uninsured and the rise in government costs from not limiting Medicaid eligibility for adults to the disabled and those with dependent children but basing it on income level, under two scenarios. Discusses implications.

Rising Unemployment, Medicaid and the Uninsured

January 9, 2009

Estimates the impact of different levels of unemployment on healthcare coverage and state costs for Medicaid and State Children's Health Insurance Programs (SCHIP) and the uninsured. Considers the impact of proportional budget cuts on Medicaid and SCHIP.

Reinsurance in State Health Reform

May 1, 2008

Based on the experiences of three states, formal modeling, quantitative estimates, and qualitative assessments, explores the impact of and issues involved in publicly funding reinsurance for insurers as a way to expand or maintain private coverage.

The Urban Institute's Microsimulation Model for Reinsurance: Model Construction and State-Specific Application

May 1, 2008

Describes the Urban Institute's model for simulating the effects of using state-funded reinsurance to subsidize primary insurance premiums. Details the process of building state-specific baseline databases and modeling reinsurance policy options.