Private Coverage

HSC research examines trends in private insurance coverage—both employer-sponsored group coverage and non-group, or individual, coverage.

Title	Date	Document Info
Individual Insurance: Health Insurers Try to Tap Potential Market Growth Elizabeth A. November, Genna R. Cohen, Paul B. Ginsburg, Brian C. Quinn	November 2009	Research Brief No. 14
Financial and Health Burdens of Chronic Conditions Grow Ha T. Tu, Genna R. Cohen	April 2009	Tracking Report No. 24
Consumer-Directed Health Care: Promise and Performance James C. Robinson, Paul B. Ginsburg	Jan. 27, 2009	Journal ArticleHealth Affairs
More Nonelderly Americans Face Problems Affording Prescription Drugs Laurie E. Felland, James D. Reschovsky	January 2009	Tracking Report No. 22
Living on the Edge: Health Care Expenses Strain Family Budgets Peter J. Cunningham, Carolyn Miller, Alwyn Cassil	December 2008	Research Brief No. 10
The Fraying Link Between Work and Health Insurance Peter J. Cunningham, Samantha Artiga, Karyn Schwartz	November 2008	Kaiser Family Foundation Report
Massachusetts Health Reform: High Costs and Expanding Expectations May Weaken Employer Support Debra A. Draper, Laurie E. Felland, Allison Liebhaber, Johanna Lauer	October 2008	Issue Brief No. 124
Trade-Offs Getting Tougher: Problems Paying Medical Bills Increase for U.S. Families, 2003-2007 Peter J. Cunningham	September 2008	Tracking Report No. 21
Falling Behind: Americans' Access to Medical Care Deteriorates, 2003-2007 Peter J. Cunningham, Laurie E. Felland	June 2008	Tracking Report No. 19
Consumer-Directed Health Plans: Mixed Employer Signals, Complex Market Dynamics Ann Tynan, Jon B. Christianson	March 2008	Issue Brief No. 119
Why Do Hispanics Have So Little Employer-Sponsored Health Insurance? James D. Reschovsky, Jack Hadley, Len M. Nichols	Fall 2007	Journal ArticleInquiry
Massachusetts Health Reform: Employers, Lower-Wage Workers and Universal Coverage Laurie E. Felland, Debra A. Draper, Allison Liebhaber	July 2007	Issue Brief No. 113
Behind the Slow Growth of Employer-Based Consumer-Driven Health Plans Jon R. Gabel, Jeremy D. Pickreign, Heidi H. Whitmore	December 2006	Issue Brief No. 107
Employers' Views on Incremental Measures to Expand Health Coverage Heidi H. Whitmore, Sara R. Collins, Jon R. Gabel, Jeremy D. Pickreign	November/December 2006	Journal ArticleHealth Affairs
Tracking Health Care Costs: Spending Growth Remains Stable at High Rate in 2005 Paul B. Ginsburg, Bradley C. Strunk, Michelle I. Banker, John P. Cookson	October 2006	Data Bulletin No. 33
Tracking Health Care Costs: Continued Stability But at High Rates in 2005 Paul B. Ginsburg, Bradley C. Strunk, Michelle I. Banker, John P. Cookson	Oct. 3, 2006	Journal ArticleHealth Affairs
Health Benefits In 2006: Premium Increases Moderate, Enrollment In Consumer-Directed Health Plans Remains Modest Gary Claxton, Jon R. Gabel, Isadora Gil, Jeremy D. Pickreign, Heidi H. Whitmore, Benjamin Finder, Samantha Hawkins	Sept. 26, 2006	Journal ArticleHealth Affairs
Why Employer-Sponsored Insurance Coverage Changed, 1997-2003 James D. Reschovsky, Bradley C. Strunk, Paul B. Ginsburg	May/June 2006	Journal ArticleHealth Affairs
Generosity and Adjusted Premiums in Job-Based Insurance: Hawaii is Up, Wyoming is Down Jon R. Gabel, Roland McDevitt, Laura Gandolfo, Jeremy D. Pickreign, Samantha Hawkins, Cheryl Fahlman	May/June 2006	Journal ArticleHealth Affairs
Public Employees' Health Benefits Survive Major Threats, So Far Robert E. Hurley, Laurie E. Felland, Anneliese M. Gerland, Jeremy D. Pickreign	April 18, 2006	Journal ArticleHealth Affairs
A Widening Rift in Access and Quality: Growing Evidence of Economic Disparities Robert E. Hurley, Hoangmai H. Pham, Gary Claxton	Dec. 6, 2005	Journal ArticleHealth Affairs
Health Benefits in 2005: Premium Increases Slow Down, Coverage Continues to Erode Jon R. Gabel, Gary Claxton, Isadora Gil, Jeremy D. Pickreign, Heidi H. Whitmore, Benjamin Finder, Samantha Hawkins, Diane Rowland	September/October 2005	Journal ArticleHealth Affairs
What High-Deductible Plans Look Like: Findings from a National Survey of Employers, 2005 Gary Claxton, Jon R. Gabel, Isadora Gil, Jeremy D. Pickreign, Heidi H. Whitmore, Benjamin Finder, Shada Rouhani, Samantha Hawkins, Diane Rowland	Sept. 14, 2005	Journal ArticleHealth Affairs
As the Health Insurance Underwriting Cycle Turns: What Next? Joy M. Grossman, Paul B. Ginsburg	November/December 2004	Journal ArticleHealth Affairs
Trends in Health Insurance Coverage and Access Among Black, Latino and White Americans, 2001-2003 J. Lee Hargraves	October 2004	Tracking Report No. 11
Trends in U.S. Health Insurance Coverage, 2001-2003 Bradley C. Strunk, James D. Reschovsky	August 2004	Tracking Report No. 9
Rhetoric vs. Reality: Employer Views on Consumer-Driven Health Care Sally Trude, Leslie Jackson Conwell	July 2004	Issue Brief No. 86
Employers Shift Rising Health Care Costs to Workers: No Long-term Solution in Sight Lydia E. Regopoulos, Sally Trude	May 2004	Issue Brief No. 83
The Effect of Tax Credits for Nongroup Insurance on Health Spending by the Uninsured James D. Reschovsky, Jack Hadley	Feb. 25, 2004	Journal ArticleHealth Affairs
Tax-free But of Little Account Paul B. Ginsburg	Feb. 16, 2004	Commentary
Patient Cost-Sharing Innovations: Promises and Pitfalls Sally Trude, Joy M. Grossman	January 2004	Issue Brief No. 75
Patient Cost Sharing: How Much is Too Much? Sally Trude	December 2003	Issue Brief No. 72
Patient Cost Sharing: Promises and Pitfalls	Dec. 3, 2003	Conference Transcript
Health and the Cost of Nongroup Insurance Jack Hadley, James D. Reschovsky	Fall 2003	Journal ArticleInquiry
Association Health Plans and Alternative Ways to Increase Health Insurance Coverage Among Workers in Small Firms Len M. Nichols	Feb. 5, 2003	Congressional Testimony
The Nongroup Health Insurance Market: Short on Facts, Long on Opinions and Policy Disputes Mark V. Pauly, Len M. Nichols	Oct. 23, 2002	Journal ArticleHealth Affairs,
Ensuring Health Security: Is the Individual Market Ready for Prime Time? Karen Pollitz, Richard Sorian	Oct. 23, 2002	Journal ArticleHealth Affairs,
Individual Health Insurance: Fact, Opinion and Policy	October 23, 2002	Conference Transcript
Working Families' Health Insurance Coverage, 1997-2001 Bradley C. Strunk, James D. Reschovsky	August 2002	Tracking Report No. 4
Insurance Product Design and Its Effects Peter Kemper, Ha T. Tu, James D. Reschovsky, Elizabeth Schaefer	Summer 2002	Journal ArticleInquiry
Small Firms' Demand for Health Insurance: The Decision to Offer Insurance Jack Hadley, James D. Reschovsky	Summer 2002	Journal ArticleInquiry
Health Insurance Expansions for Working Families Danielle H. Ferry, Bowen Garrett, Sherry Gilied, Emily K. Greenman, Len M. Nichols	July/August 2002	Journal ArticleHealth Affairs
Tax Credits and the Affordability of Individual Health Insurance Jack Hadley, James D. Reschovsky	July 2002	Issue Brief No. 53
Treading Water: Americans' Access to Needed Medical Care, 1997-2001 Bradley C. Strunk, Peter J. Cunningham	March 2002	Tracking Report No. 1
Declining Employer-Sponsored Coverage Peter J. Cunningham	March 2002	Journal ArticleMedical Care Research and Review
Options for Expanding Health Insurance for People with Chronic Conditions Ha T. Tu, Marie C. Reed	February 2002	Issue Brief No. 50
Triple Jeopardy: Low Income, Chronically Ill and Uninsured in America Marie C. Reed, Ha T. Tu	February 2002	Issue Brief No. 49
Employer-Sponsored Health Insurance: Sally Trude, Jon B. Christianson, Cara S. Lesser, Carolyn A. Watts, Andrea Staiti	January/February 2002	Health Affairs
Premium Subsidies for Employer-Sponsored Health Coverage Leslie Jackson Conwell, Ashley C. Short	December 2001	Issue Brief No. 47
Employer Health Insurance Premium Subsidies Unlikely to Enhance Coverage Significantly James D. Reschovsky, Jack Hadley	December 2001	Issue Brief No. 46
Consumers Face Higher Costs As Health Plans Seek to Control Drug Spending Glen P. Mays, Robert E. Hurley, Joy M. Grossman	November 2001	Issue Brief No. 45
The Health Status of Workers Who Decline Employer-Sponsored Insurance: Linda J. Blumberg, Len M. Nichols	November 2001	Health Affairs
Worker Decisions to Purchase Health Insurance Linda J. Blumberg, Len M. Nichols, Jessica S. Banthin	September 2001	Journal ArticleInternational Journal of Health Care Finance and Economics
Stand-Alone Health Insurance Tax Credits Aren't Enough Leslie A. Jackson, Sally Trude	July 2001	Issue Brief No. 41
Defined Contributions: The Search for a New Vision Sally Trude	April 2001	Issue Brief No. 37
Tax Credits and Purchasing Pools: Will This Marriage Work? Sally Trude, Paul B. Ginsburg	April 2001	Issue Brief No. 36
How to Make Tax Credits for Health Insurance Work: The Role of Purchasing Pools	April 10, 2001	Conference Transcript
Trends In Out-Of-Pocket Spending By Insured American Workers, 1990-1997 Jon R. Gabel, Paul B. Ginsburg, Jeremy D. Pickreign, James D. Reschovsky	March/April 2001	Health Affairs
Do Consumers Know How Their Health Plan Works? Peter J. Cunningham, Charles Denk, Michael Sinclair	March/April 2001	Health Affairs
Tracking Health Care Costs: Christopher Hogan, Paul B. Ginsburg, Jon R. Gabel	November/December 2000	Health Affairs
Are Defined Contributions a New Direction for Employer-Sponsored Coverage? Sally Trude, Paul B. Ginsburg	October 2000	Issue Brief No. 32
Defining "Defined Contributions":	October 10, 2000	Conference Transcript
Health Care Perceptions and Experiences James D. Reschovsky, J. Lee Hargraves	September 2000	Issue Brief No. 30
Withering on the Vine: Jon R. Gabel, Paul B. Ginsburg, Heidi H. Whitmore, Jeremy D. Pickreign	September/October 2000	Health Affairs
Recent Trends in Children's Health Insurance Peter J. Cunningham, Michael H. Park	April 2000	Issue Brief No. 29
Tracking Recent Changes in Health Coverage for Low-Income Children with the Community Tracking Study, 1996-1997 and 1998-1999 Peter J. Cunningham, Michael H. Park	April 2000	Research Report No. 04
Who Has a Choice of Health Plans? Sally Trude	February 2000	Issue Brief No. 27
Tracking Health Care Costs: Paul B. Ginsburg	November 1999	Issue Brief No. 23
Who Declines Employer-Sponsored Health Insurance and Is Uninsured? Peter J. Cunningham, Elizabeth Schaefer, Christopher Hogan	October 1999	Issue Brief No. 22
Managed Care Backlash: Paul B. Ginsburg	October 1999	Journal of Health Policy, Politics and Law
Choosing To Be Uninsured: Peter J. Cunningham	October 1999
Health Spending: Paul B. Ginsburg	January/February 1999	Health Affairs
Competition, Quality of Care and the Role of the Consumer Catherine G. McLaughlin, Paul B. Ginsburg	1998	The Milbank Quarterly
Trends in Offering Employer-Sponsored Coverage Stephen H. Long, M. Susan Marquis	Fall 1998	Data Bulletin No. 15
Trends in the Cost of Employer-Sponsored Coverage M. Susan Marquis, Stephen H. Long	Fall 1998	Data Bulletin No. 14
Despite Fears, Costs Rise Only Modestly in 1998	Fall 1998	Data Bulletin No. 13
How Widespread Is Managed Competition? Stephen H. Long, M. Susan Marquis	Summer 1998	Data Bulletin No. 12
Tracking Health Care Costs: Paul B. Ginsburg, Jon R. Gabel	September/October 1998	Health Affairs
CHIPing Away at the Problem of Uninsured Children James D. Reschovsky, Peter J. Cunningham	October 1998	Research Report No. 02
CHIPing Away at the Problem of Uninsured Children James D. Reschovsky, Peter J. Cunningham	August 1998	Issue Brief No. 14
Health System Change in 1997 Paul B. Ginsburg	July/August 1998	Health Affairs
The Role of Employers in Community Health Care Systems Jon B. Christianson	July/August 1998	Health Affairs
More Small Firms Offer Health Insurance but Fewer Employees Enroll	Winter 1998	Data Bulletin No. 10
Trends in Managed Care Coverage in Small Firms	Winter 1998	Data Bulletin No. 09
Tracking Small-Firm Coverage, 1989-1996 Paul B. Ginsburg, Jon R. Gabel, Kelly A. Hunt	January/February 1998	Health Affairs
Choosing a Health Plan: Judith Hibbard, Jacquelyn Jewett, Mark W. Legnini, Martin Tusler	November/December 1997	Health Affairs
Small Employers and Their Health Benefits, 1988-1996: Jon R. Gabel, Paul B. Ginsburg, Kelly A. Hunt	September/October 1997	Health Affairs
Tracking Health Care Costs: Paul B. Ginsburg, Jeremy D. Pickreign	July/August 1997	Health Affairs
Health Care Costs:	June 1997	Issue Brief No. 10
Tracking Health Care Costs:	January 1997	Issue Brief No. 06
A Primer on Understanding Health Care Cost Trends:	December 1996	Issue Brief No. 05
Tracking Health Care Costs Paul B. Ginsburg, Jeremy D. Pickreign	Fall 1996	Health Affairs
Medicaid Eligibility Policy and the Crowding-Out Effect:	October 1996	Issue Brief No. 03
Snapshots of Change in Fifteen Communities: Debra J. Lipson, Jeanne M. De Sa	Summer 1996	Health Affairs