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High-Risk Pools for Uninsurable Individuals: Recent Growth, Future Prospects.

Frakt AB, Pizer SD, Wrobel MV - Health Care Financ Rev (2004)

Bottom Line: High-risk pools are State programs that were recently brought under Federal review by the Health Insurance Portability and Accountability Act of 1996 (HIPAA).Reducing high-risk pool premiums in all States to the level prevailing in the most generous States (at an annual cost of about $105 million) could lead to a modest but significant increase in enrollment, relative to the uninsurable population.In addition, non-premium changes, for example to benefits and marketing, could also have substantial effects on enrollment.

View Article: PubMed Central - PubMed

ABSTRACT
High-risk pools are State programs that were recently brought under Federal review by the Health Insurance Portability and Accountability Act of 1996 (HIPAA). For a subsidized, yet above-standard premium, they provide coverage to individuals lacking access to private health insurance, typically due to pre-existing conditions. Reducing high-risk pool premiums in all States to the level prevailing in the most generous States (at an annual cost of about $105 million) could lead to a modest but significant increase in enrollment, relative to the uninsurable population. In addition, non-premium changes, for example to benefits and marketing, could also have substantial effects on enrollment.

No MeSH data available.


Related in: MedlinePlus

Theoretical Model
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f1-hcfr-26-2-073: Theoretical Model

Mentions: Figure 1 illustrates some of our assumptions. The horizontal axis is total enrollment, T, and the vertical axis is premium, P. Since the elasticity of supply is infinite, the supply curve is a horizontal line. Thus, the point of equilibrium, where demand meets supply, is uniquely determined by the demand curve and demand is measured as total enrollment, T.


High-Risk Pools for Uninsurable Individuals: Recent Growth, Future Prospects.

Frakt AB, Pizer SD, Wrobel MV - Health Care Financ Rev (2004)

Theoretical Model
© Copyright Policy
Related In: Results  -  Collection

Show All Figures
getmorefigures.php?uid=PMC4194867&req=5

f1-hcfr-26-2-073: Theoretical Model
Mentions: Figure 1 illustrates some of our assumptions. The horizontal axis is total enrollment, T, and the vertical axis is premium, P. Since the elasticity of supply is infinite, the supply curve is a horizontal line. Thus, the point of equilibrium, where demand meets supply, is uniquely determined by the demand curve and demand is measured as total enrollment, T.

Bottom Line: High-risk pools are State programs that were recently brought under Federal review by the Health Insurance Portability and Accountability Act of 1996 (HIPAA).Reducing high-risk pool premiums in all States to the level prevailing in the most generous States (at an annual cost of about $105 million) could lead to a modest but significant increase in enrollment, relative to the uninsurable population.In addition, non-premium changes, for example to benefits and marketing, could also have substantial effects on enrollment.

View Article: PubMed Central - PubMed

ABSTRACT
High-risk pools are State programs that were recently brought under Federal review by the Health Insurance Portability and Accountability Act of 1996 (HIPAA). For a subsidized, yet above-standard premium, they provide coverage to individuals lacking access to private health insurance, typically due to pre-existing conditions. Reducing high-risk pool premiums in all States to the level prevailing in the most generous States (at an annual cost of about $105 million) could lead to a modest but significant increase in enrollment, relative to the uninsurable population. In addition, non-premium changes, for example to benefits and marketing, could also have substantial effects on enrollment.

No MeSH data available.


Related in: MedlinePlus