Medicare for 50-to-64-Year-Olds: Assessing the Effects of Allowing Older Adults to Buy Into the Medicare Program

Eibner, Christine; Vardavas, Raffaele; Nowak, Sarah A.; Liu, Jodi L.; Rao, Preethi

doi:10.7249/rr4246

Cited by 4 publications

(3 citation statements)

References 79 publications

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“…For each approach, we quantify the potential impacts on hospital prices and spending by privately insured populations. This report aligns with recent reports that have focused on the impacts of policies that expand access to insurance coverage Eibner et al, 2019). However, rather than considering initiatives to expand coverage, which has been the policy focus to date, we focus on policies designed to address hospital prices for those with private insurance.…”

Section: Introductionsupporting

confidence: 53%

Impact of Policy Options for Reducing Hospital Prices Paid by Private Health Plans

Liu¹,

Levinson²,

Qureshi³

et al. 2021

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Limited Print and Electronic Distribution RightsThis document and trademark(s) contained herein are protected by law. This representation of RAND intellectual property is provided for noncommercial use only. Unauthorized posting of this publication online is prohibited. Permission is given to duplicate this document for personal use only, as long as it is unaltered and complete. Permission is required from RAND to reproduce, or reuse in another form, any of its research documents for commercial use. For information on reprint and linking permissions, please visit www.rand.org/pubs/permissions.The RAND Corporation is a research organization that develops solutions to public policy challenges to help make communities throughout the world safer and more secure, healthier and more prosperous. RAND is nonprofit, nonpartisan, and committed to the public interest. RAND's publications do not necessarily reflect the opinions of its research clients and sponsors.

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Section: Introductionsupporting

confidence: 53%

Impact of Policy Options for Reducing Hospital Prices Paid by Private Health Plans

Liu¹,

Levinson²,

Qureshi³

et al. 2021

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“…Overview COMPARE is a microsimulation model that uses economic theory and evidence from past experience to estimate how consumers and businesses will respond to health policy changes (Cordova et al, 2013). The model has been described extensively in past RAND work, including Liu et al, 2020;and Eibner et al, 2019. The description that follows draws heavily from these prior studies.…”

Section: Appendix a Overview Of The Compare Microsimulation Modelmentioning

confidence: 99%

Expanding Insurance Coverage to Undocumented Immigrants in Connecticut

Rao¹,

Girosi²,

Eibner³

2022

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About RANDThe RAND Corporation is a research organization that develops solutions to public policy challenges to help make communities throughout the world safer and more secure, healthier and more prosperous. RAND is nonprofit, nonpartisan, and committed to the public interest. To learn more about RAND, visit www.rand.org. Research IntegrityOur mission to help improve policy and decisionmaking through research and analysis is enabled through our core values of quality and objectivity and our unwavering commitment to the highest level of integrity and ethical behavior. To help ensure our research and analysis are rigorous, objective, and nonpartisan, we subject our research publications to a robust and exacting quality-assurance process; avoid both the appearance and reality of financial and other conflicts of interest through staff training, project screening, and a policy of mandatory disclosure; and pursue transparency in our research engagements through our commitment to the open publication of our research findings and recommendations, disclosure of the source of funding of published research, and policies to ensure intellectual independence. For more information, visit www.rand.org/about/principles. RAND's publications do not necessarily reflect the opinions of its research clients and sponsors.

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“…This is especially important as there is some evidence that relative spending patterns within the nongroup market may differ from other commercial market segments, with interesting policy implications. For example, mounting evidence, based on more limited claims data or simulation models, suggests that lowering the age of Medicare eligibility might increase nongroup premiums (Blue Cross Blue Shield Association, 2021; Eibner et al, 2019;Kotecki & Westrom, 2020), contrary to expectation before the ACA (Yamamoto, 2013). Moreover, prior research has found that nongroup enrollees tended to be at higher risk for medical spending compared with other private market enrollees yet spent less conditional on their risk score (Lissenden et al, 2020;Pelech & Stockley, 2022), and that, within the nongroup market, high-risk recipients of CSRs have relatively low spending (Treasure et al, 2023).…”

Section: Introductionmentioning

confidence: 99%

How does health spending among demographic groups compare to Affordable Care Act premium regulations?

Hanson,

Minicozzi

2023

J of Risk & Insurance

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The Affordable Care Act (ACA) substantially altered regulations in the nongroup and small group health insurance markets and those markets continue to receive significant policy attention. To understand how those markets have functioned in recent years and how they would be impacted by policy changes, we estimated enrollment and spending by age and sex using claims data covering enrollment in ACA risk‐adjusted plans in 2017–2019 and compared spending to a federal default age‐rating curve for premiums. Our results suggest that women aged 55–64 helped stabilize the nongroup market through high enrollment and relatively low spending. Men enrolled in the marketplace also subsidized other nongroup enrollees but to a lesser extent than expected. In fact, men aged25–50 enrolled in nongroup plans spent 18% more than their counterparts enrolled through a small employer. These unique spending patterns have interesting policy implications, including that lowering the Medicare eligibility age would likely increase premiums in the nongroup market.

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Medicare for 50-to-64-Year-Olds: Assessing the Effects of Allowing Older Adults to Buy Into the Medicare Program

Cited by 4 publications

References 79 publications

Impact of Policy Options for Reducing Hospital Prices Paid by Private Health Plans

Impact of Policy Options for Reducing Hospital Prices Paid by Private Health Plans

Expanding Insurance Coverage to Undocumented Immigrants in Connecticut

How does health spending among demographic groups compare to Affordable Care Act premium regulations?

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