Individual Insurance Benefits To Be Available Under Health Reform Would Have Cut Out-Of-Pocket Spending In 2001–08

Hill, Steven

doi:10.1377/hlthaff.2011.1206

Cited by 8 publications

(3 citation statements)

References 15 publications

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“…Insurers requesting large rate increases primarily attributed the change to higher prices for services and certain ACA requirements such as new taxes (McCue and Hall ). Even if premiums continue to gradually increase, most individuals are expected to receive expanded insurance benefits, and out‐of‐pocket costs may actually decline for those who are eligible for tax credits (Hill ; Keehan et al. ).…”

Section: Resultsmentioning

confidence: 99%

Key Provisions of the Patient Protection and Affordable Care Act (ACA): A Systematic Review and Presentation of Early Research Findings

French

Homer

Gümüş

et al. 2016

Health Services Research

138

119

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Section: Resultsmentioning

confidence: 99%

Key Provisions of the Patient Protection and Affordable Care Act (ACA): A Systematic Review and Presentation of Early Research Findings

French

Homer

Gümüş

et al. 2016

Health Services Research

138

119

View full text Add to dashboard Cite

show abstract

“…Researchers expect that the ACA will increase insurance and lower underinsurance rates (Schoen et al 2011), reduce out-ofpocket spending (Hill 2012), and result in doctor shortages in some areas (Hofer, Abraham, and Moscovice 2011;Huang and Finegold 2013). One of the first components of the ACA to go into effect was an extension of dependent coverage until the age of 26, which has been studied extensively.…”

Section: The Affordable Care Actmentioning

confidence: 99%

The Potential Effects of Federal Health Insurance Reforms on Employment Arrangements and Compensation

2015

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Standard-Nutzungsbedingungen:Die Dokumente auf EconStor dürfen zu eigenen wissenschaftlichen Zwecken und zum Privatgebrauch gespeichert und kopiert werden.Sie dürfen die Dokumente nicht für öffentliche oder kommerzielle Zwecke vervielfältigen, öffentlich ausstellen, öffentlich zugänglich machen, vertreiben oder anderweitig nutzen.Sofern die Verfasser die Dokumente unter Open-Content-Lizenzen (insbesondere CC-Lizenzen) zur Verfügung gestellt haben sollten, gelten abweichend von diesen Nutzungsbedingungen die in der dort genannten Lizenz gewährten Nutzungsrechte. Terms of use: Documents in ABSTRACTThe Affordable Care Act (ACA) presents an opportunity to significantly improve compensation for American workers. A potential concern, though, is that employers will circumvent the employer mandate by increasing their use of workers in staffing arrangements that are not covered by the mandate: workers averaging less than 30 hours per week, working on a temporary basis, or working in organizations with fewer than 50 full-time employees. In this paper, we shed light on the likely effects that the ACA will have on employment arrangements. We first examine how part-time employment in Massachusetts changed after its health insurance reform, which is similar to the ACA in many ways. We find, contrary to prior research, that the Massachusetts reform resulted in modest increases in part-time employment among low-educated workers. We then identify the characteristics of employers and employees most affected by the ACA's employer mandate. For the period 2010 to 2012, we estimate that workers who were not offered health insurance at their workplaces but whose employers would be required to offer health insurance under the ACA made up about 5 percent of the workforce and that reducing average weekly hours worked may be relatively straightforward for employers in industries with the largest concentrations of these workers (e.g., retail trade and accommodation and food services). We also point to recent industry patterns of involuntary part-time employment and temporary help use that are consistent with these potential effects of the employer mandate.JEL Codes: I13, J3

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“…They estimate that the Affordable Care Act (ACA) will reduce the number of underinsured by 70 per cent. (Hill, ) simulates what people's medical costs from 2001 to 2008 would have been under the ACA and finds that the ACA would have reduced the probability that people would have incurred very high out‐of‐pocket spending.…”

mentioning

confidence: 99%

The Effect of Medicare Eligibility on Spousal Insurance Coverage

Dillender

Mulligan

2015

Health Economics

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Standard-Nutzungsbedingungen:Die Dokumente auf EconStor dürfen zu eigenen wissenschaftlichen Zwecken und zum Privatgebrauch gespeichert und kopiert werden.Sie dürfen die Dokumente nicht für öffentliche oder kommerzielle Zwecke vervielfältigen, öffentlich ausstellen, öffentlich zugänglich machen, vertreiben oder anderweitig nutzen.Sofern die Verfasser die Dokumente unter Open-Content-Lizenzen (insbesondere CC-Lizenzen) zur Verfügung gestellt haben sollten, gelten abweichend von diesen Nutzungsbedingungen die in der dort genannten Lizenz gewährten Nutzungsrechte. Terms of use: Documents in ABSTRACTA majority of married couples in the United States take advantage of the fact that employers often provide health insurance coverage to spouses. When the older spouses become eligible for Medicare, however, many of them can no longer provide their younger spouses with coverage. In this paper, we study how spousal eligibility for Medicare affects the health insurance and health care access of the younger spouse. We find spousal eligibility for Medicare results in the younger spouse having worse insurance coverage and reduced access to health care services. JEL Classification Codes: I13, J3Key Words: Health Insurance, Medicare, Individual Market, Marriage, Employer Benefits, ACA The Effect of Medicare Eligibility on Spousal Insurance CoverageMarcus Dillender * and Karen Mulligan † AbstractA majority of married couples in the United States take advantage of the fact that employers often provide health insurance coverage to spouses. When the older spouses become eligible for Medicare, however, many of them can no longer provide their younger spouses with coverage. In this paper, we study how spousal eligibility for Medicare affects the health insurance and health care access of the younger spouse. We find spousal eligibility for Medicare results in the younger spouse having worse insurance coverage and reduced access to health care services.

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Individual Insurance Benefits To Be Available Under Health Reform Would Have Cut Out-Of-Pocket Spending In 2001–08

Cited by 8 publications

References 15 publications

Key Provisions of the Patient Protection and Affordable Care Act (ACA): A Systematic Review and Presentation of Early Research Findings

Key Provisions of the Patient Protection and Affordable Care Act (ACA): A Systematic Review and Presentation of Early Research Findings

The Potential Effects of Federal Health Insurance Reforms on Employment Arrangements and Compensation

The Effect of Medicare Eligibility on Spousal Insurance Coverage

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