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Health Insurance Costs, Health Care & Health Care Services - Research, Public Opinion, Facts & Analysis - Kaiser Family Foundation
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class="cs_control CS_Element_Image"><img src="/web/20090722200120im_/http://www.kff.org/cproot-images/spacer2_4.gif" border="0" class="CS_Image_IMG" title=" " width="1" height="4" alt=" "/></div> </td></tr> </table></div> </td></tr><tr class="CS_Layout_TR"><td id="cs_idCell811x2x1" class="CS_Layout_TD"> <div id="cs_control_6170" class="cs_control CS_Element_Layout"><table id="cs_idLayout6170" cellpadding="2" cellspacing="0" class="CS_Layout_Table" width="100%" summary=""><tr class="CS_Layout_TR"><td id="cs_idCell6170x1x1" class="CS_Layout_TD" width="45%"> <div id="cs_control_28467" class="cs_control"><p class="body"> <!-- djd text --> <a class="title_default_blue" href="/web/20090722200120/http://www.kff.org/insurance/7790/index.cfm"><img border="0" src="/web/20090722200120im_/http://www.kff.org/cproot-images/7790_Cover_Sm.gif" align="Left"></a> <span class="title_default_blue"><b><a href="/web/20090722200120/http://www.kff.org/insurance/7790/index.cfm">2008 Kaiser/HRET Employer Health Benefits Survey</a></b></span><br><span class="text_blue">This annual survey of employers provides a detailed look at trends in employer-sponsored health coverage, including changes in premiums, employee contributions, cost-sharing policies and other relevant information.</span></div> </td><td id="cs_idCell6170x1x2" class="CS_Layout_TD" width="5%"><img src="/web/20090722200120im_/http://www.kff.org/commonspot/images/clear.gif" width="1" height="1" alt=""/></td><td id="cs_idCell6170x1x3" class="CS_Layout_TD" width="45%"> <div id="cs_control_28472" class="cs_control"><span class="title_default_blue"><b><a href="/web/20090722200120/http://www.kff.org/insurance/kcmu060309pkg.cfm">Private Long-Term Care Insurance and the Challenge of Closing the Long-Term Care Funding Gap</a></b></span><br><span class="text_blue">This policy brief and related congressional testimony examine the fundamentals of private long-term care insurance, including how consumers buy policies, how much policies cost and how they work, and what regulations exist to protect consumers. They also discuss the challenges of possibly enlarging the role of private long-term care insurance in financing long-term care.<br></span></div> </td></tr> </table></div> </td></tr><tr class="CS_Layout_TR"><td id="cs_idCell811x3x1" class="CS_Layout_TD"> <div id="cs_control_6176" class="cs_control CS_Element_CustomCF"><div id="CS_CCF_28466_6176"><!-- djd: PROGRAM CRITERIA--><!-- djd: NOT USING PROGRAM CRITERIA--> <script language="JavaScript"> function SubmitNewSearch() { // validate date range selected1 = frmSort.sm.selectedIndex; selected2 = frmSort.sy.selectedIndex; selected3 = frmSort.em.selectedIndex; selected4 = frmSort.ey.selectedIndex; if ((selected1 == 0) && (selected2 == 0) && (selected3 == 0) && (selected4 == 0)) document.frmSort.submit(); else if ((selected1 > 0) && (selected2 > 0) && (selected3 > 0) && (selected4 > 0)) document.frmSort.submit(); else alert("Please enter all date range criteria"); } function MoveToPage(page) { document.frmMoveToPage.page.value = page; document.frmMoveToPage.submit(); 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var cY = 0; function UpdateCursorPosition(e){ cX = e.pageX; cY = e.pageY;} function UpdateCursorPositionDocAll(e){ cX = event.clientX; cY = event.clientY;} if(document.all) { document.onmousemove = UpdateCursorPositionDocAll; } else { document.onmousemove = UpdateCursorPosition; } function AssignPosition(d) { d.style.left = (cX+10) + "px"; d.style.top = (cY+10) + "px"; } function HideContent(d) { if(d.length < 1) { return; } document.getElementById(d).style.display = "none"; } function ShowContent(d) { if(d.length < 1) { return; } var dd = document.getElementById(d); AssignPosition(dd); dd.style.display = ""; } function ReverseContentDisplay(d) { if(d.length < 1) { return; } var dd = document.getElementById(d); AssignPosition(dd); if(dd.style.display == "none") { dd.style.display = ""; } else { dd.style.display = "none"; } } //--> </script> <link href="https://web.archive.org/web/20090722200120cs_/http://www.kff.org/style/sortResults.css" rel="stylesheet" type="text/css"> <table border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td bgcolor="#FFFFFF"> <table border="0" cellpadding="10" cellspacing="1" width="100%"> <tr bgcolor="dfe5ed"> <td> <b><a href="/web/20090722200120/http://www.kff.org/pullingittogether/070809_altman.cfm" class="textblue">Pulling it Together: Teaching An Old Dog New Tricks</a></b> <b> -- July 2009</b> <br/><span class="recentdisc">In his latest essay for "Pulling It Together, From Drew Altman," the Foundation's President and CEO examines how innovations in Medicaid managed care can impact care delivery and costs in our nation's health care system.</span> </td> </tr> <tr bgcolor="ecf0f0"> <td> <b><a href="/web/20090722200120/http://www.kff.org/pullingittogether/062509_altman.cfm" class="textblue">Pulling it Together: Last Week's Health Reform "Shocker" </a></b> <b> -- June 2009</b> <br/><span class="recentdisc">In the latest column from "Pulling It Together, From Drew Altman," the Kaiser Family Foundation’s President and CEO </span> </td> </tr> <tr bgcolor="dfe5ed"> <td> <b><a href="/web/20090722200120/http://www.kff.org/kaiserpolls/posr061609pkg.cfm" class="textblue">Kaiser Health Tracking Poll - June 2009</a></b> <b> -- June 2009</b> <br/><span class="recentdisc">The June health tracking poll finds remarkable stability in public opinion on health reform as Congressional committees begin to hone in on the details of their health reform bills and debate intensifies. A solid majority of the American people continue to believe that health reform is more important than ever given the country's economic problems.</span> </td> </tr> <tr bgcolor="ecf0f0"> <td> <b><a href="/web/20090722200120/http://www.kff.org/insurance/kcmu060309pkg.cfm" class="textblue">Examing the Role of Private Long-Term Care Insurance in the Financing of Long-Term Care</a></b> <b> -- June 2009</b> <br/><span class="recentdisc">This policy brief and related congressional testimony examine the fundamentals of private long-term care insurance, including how consumers buy policies, how much policies cost and how they work, and what regulations exist to protect consumers. They also discuss the challenges of possibly enlarging the role of private long-term care insurance in financing long-term care.</span> </td> </tr> <tr bgcolor="dfe5ed"> <td> <b><a href="/web/20090722200120/http://www.kff.org/insurance/7879.cfm" class="textblue">Closing the Long-Term Care Funding Gap: The Challenge of Private Long-Term Care Insurance</a></b> <b> -- June 2009</b> <img src="/web/20090722200120im_/http://www.kff.org/cproot-images/icon_kcmu.gif" align="absmiddle" width="36" height="13" border="0" alt="KCMU Material"> <br/><span class="recentdisc">This policy brief examines the fundamentals of private long-term care insurance, including how consumers buy policies, how much policies cost and how they work, and what regulations exist to protect consumers. It also discuss the challenges of possibly enlarging the role of private long-term care insurance in financing long-term care</span> </td> </tr> <tr bgcolor="ecf0f0"> <td> <b><a href="/web/20090722200120/http://www.kff.org/insurance/7911.cfm" class="textblue">Filling In The Long-Term Care Gaps</a></b> <b> -- June 2009</b> <img src="/web/20090722200120im_/http://www.kff.org/cproot-images/icon_kcmu.gif" align="absmiddle" width="36" height="13" border="0" alt="KCMU Material"> <br/><span class="recentdisc">At a June 3 hearing of the Senate Special Committee on Aging, Diane Rowland, Executive Vice President of the Kaiser Family Foundation and Executive Director on the Kaiser Commission on Medicaid and the Uninsured, testified on the key challenges to providing a larger role for private long-term care insurance in financing long-term care for the elderly and people with disabilities.</span> </td> </tr> <tr bgcolor="dfe5ed"> <td> <b><a href="/web/20090722200120/http://www.kff.org/healthreform/allianceEvents.cfm" class="textblue">Alliance for Health Reform Webcasts 2</a></b> <b> -- May 2009</b> <img src="https://web.archive.org/web/20090722200120im_/http://www.kff.org/cproot-images/icon_vid_aud_1.gif" align="absmiddle" width="35" height="13" border="0" alt="Video/Audio"> <br/><span class="recentdisc">This page features Alliance for Health Reform webcasts from 2009.</span> </td> </tr> <tr bgcolor="ecf0f0"> <td> <b><a href="/web/20090722200120/http://www.kff.org/healthreform/7906.cfm" class="textblue">Explaining Health Care Reform: What is Health Insurance?</a></b> <b> -- May 2009</b> <br/><span class="recentdisc">This brief explains the ways in which coverage might be defined under a health reform plan, and some of the policy issues raised by those determinations.</span> </td> </tr> <tr bgcolor="dfe5ed"> <td> <b><a href="/web/20090722200120/http://www.kff.org/healthreform/7907.cfm" class="textblue">Explaining Health Care Reform: What Is An Employer “Pay-or-Play” Requirement?</a></b> <b> -- May 2009</b> <br/><span class="recentdisc">The brief examines the concept of employer pay-or-play provisions in health reform proposals and some of the policy implications surrounding the level of coverage required, the penalty to employers who do not offer coverage, and whether small firms are exempt from the requirements. </span> </td> </tr> <tr bgcolor="ecf0f0"> <td> <b><a href="/web/20090722200120/http://www.kff.org/healthreform/7908.cfm" class="textblue">Explaining Health Care Reform: What Are Health Insurance Exchanges?</a></b> <b> -- May 2009</b> <br/><span class="recentdisc">This brief explains the purpose and function of health insurance exchanges, which are a key element on many recent health care reform plans.</span> </td> </tr> </table></td></tr></table> <div class="popup_description" id="popup_description389290"><p>In his latest essay for "Pulling It Together, From Drew Altman," the Foundation's President and CEO examines how innovations in Medicaid managed care can impact care delivery and costs in our nation's health care system.</p></div><div class="popup_description" id="popup_description387076"><p>In the latest column from "Pulling It Together, From Drew Altman," the Kaiser Family Foundation’s President and CEO </p></div><div class="popup_description" id="popup_description383878"><p>The June health tracking poll finds remarkable stability in public opinion on health reform as Congressional committees begin to hone in on the details of their health reform bills and debate intensifies. A solid majority of the American people continue to believe that health reform is more important than ever given the country's economic problems.</p></div><div class="popup_description" id="popup_description380298"><p>This policy brief and related congressional testimony examine the fundamentals of private long-term care insurance, including how consumers buy policies, how much policies cost and how they work, and what regulations exist to protect consumers. They also discuss the challenges of possibly enlarging the role of private long-term care insurance in financing long-term care.</p></div><div class="popup_description" id="popup_description380354"><p>This policy brief examines the fundamentals of private long-term care insurance, including how consumers buy policies, how much policies cost and how they work, and what regulations exist to protect consumers. It also discuss the challenges of possibly enlarging the role of private long-term care insurance in financing long-term care</p></div><div class="popup_description" id="popup_description380389"><p>At a June 3 hearing of the Senate Special Committee on Aging, Diane Rowland, Executive Vice President of the Kaiser Family Foundation and Executive Director on the Kaiser Commission on Medicaid and the Uninsured, testified on the key challenges to providing a larger role for private long-term care insurance in financing long-term care for the elderly and people with disabilities.</p></div><div class="popup_description" id="popup_description379636"><p>This page features Alliance for Health Reform webcasts from 2009.</p></div><div class="popup_description" id="popup_description377841"><p>This brief explains the ways in which coverage might be defined under a health reform plan, and some of the policy issues raised by those determinations.</p></div><div class="popup_description" id="popup_description377928"><p>The brief examines the concept of employer pay-or-play provisions in health reform proposals and some of the policy implications surrounding the level of coverage required, the penalty to employers who do not offer coverage, and whether small firms are exempt from the requirements. </p></div><div class="popup_description" id="popup_description378015"><p>This brief explains the purpose and function of health insurance exchanges, which are a key element on many recent health care reform plans.</p></div> <table border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td> <img src="/web/20090722200120im_/http://www.kff.org/cproot-images/spacer.gif" width="1" height="1"></td> </tr> </table> <table border="0" cellpadding="5" cellspacing="0" width="100%"> <tr> <td class="recentdocs" colspan="3" nowrap> <span class="title_default_white"> <a href="javascript:ViewAll()">View all items ></a> </span></td> <td align="right" class="recentdocs" colspan="4"> <span class="title_default_white">Pages <strong>1</strong> | <a href="javascript:MoveToPage(2)">2</a> | <a href="javascript:MoveToPage(3)">3</a> | <a href="javascript:MoveToPage(4)">4</a> | <a href="javascript:MoveToPage(5)">5</a> <a href="javascript:MoveToPage(6)">>></a> </span> </td> </tr> </table> <table border="0" cellpadding="5" cellspacing="0" width="100%"> <tr height="1"><td></td></tr> <tr> <td class="docsort" colspan="2" align="right" nowrap> <span class="title_sort_docs">Sort Documents by:</span> </td> <td class="docsort"></td> <td class="docsort"></td> <td class="docsort"></td> <td class="docsort"></td> <td class="docsort"></td> </tr> <tr> <td width="1%" class="docsort" nowrap colspan="2" align="right"> <span class="text_blue">Document Type:</span> </td> <td width="1%" class="docsort"> <img src="/web/20090722200120im_/http://www.kff.org/cproot-images/spacer.gif" width="3" height="1" alt=""></td> <td width="1%" class="docsort" nowrap> <select name="dt" class="text_blue"> <option value="">- All -</option> <option value="All Documents">All Documents</option> <option value="Charts & Data">Charts & Data</option> <option value="Fact Sheets">Fact Sheets</option> <option value="Interactive Tools">Interactive Tools</option> <option value="Issue Briefs">Issue Briefs</option> <option value="News Releases">News Releases</option> <option value="Presentations">Presentations</option> <option value="Reports & Studies">Reports & Studies</option> <option value="Surveys">Surveys</option> <option value="Testimony">Testimony</option> <option value="Video/Audio">Video/Audio</option> </select> </td> <td width="1%" class="docsort"> <img src="/web/20090722200120im_/http://www.kff.org/cproot-images/spacer.gif" width="3" height="1" alt=""></td> <td width="1%" class="docsort"> </td> <td width="1%" class="docsort"> <img src="/web/20090722200120im_/http://www.kff.org/cproot-images/spacer.gif" width="3" height="1" alt=""></td> </tr> <tr> <td width="1" class="docsort"></td> <td width="1%" class="docsort" nowrap align="right"> <span class="text_blue">Subtopic:</span> </td> <td width="1%" class="docsort"> <img src="/web/20090722200120im_/http://www.kff.org/cproot-images/spacer.gif" width="3" height="1" alt=""></td> <td width="1%" class="docsort" nowrap> <select name="sub" class="text_blue"> <option value="">- All -</option> <option value="Consumer Protections">Consumer Protections</option> <option value="Employer-Sponsored Insurance">Employer-Sponsored Insurance</option> <option value="Individual Insurance">Individual Insurance</option> </select> </td> <td width="1%" class="docsort"> <img src="/web/20090722200120im_/http://www.kff.org/cproot-images/spacer.gif" width="3" height="1" alt=""></td> <td width="1%" class="docsort"> </td> <td width="1%" class="docsort"> <img src="/web/20090722200120im_/http://www.kff.org/cproot-images/spacer.gif" width="3" height="1" alt=""></td> </tr> <tr> <td width="1%" class="docsort" nowrap colspan="2" align="right"> <span class="text_blue">Date Range:</span> </td> <td width="1" class="docsort"></td> <td width="1%" class="docsort" nowrap> <span class="text_blue"> start <select name="sm" class="text_blue"> <option></option> <option value="1">Jan</option> <option value="2">Feb</option> <option value="3">Mar</option> <option value="4">Apr</option> <option value="5">May</option> <option value="6">Jun</option> <option value="7">Jul</option> <option value="8">Aug</option> <option value="9">Sep</option> <option value="10">Oct</option> <option value="11">Nov</option> <option value="12">Dec</option> </select> <select name="sy" class="text_blue"> <option></option> <option value="2009">2009</option> <option value="2008">2008</option> <option value="2007">2007</option> <option value="2006">2006</option> <option value="2005">2005</option> <option value="2004">2004</option> <option value="2003">2003</option> <option value="2002">2002</option> <option value="2001">2001</option> <option value="2000">2000</option> <option value="1999">1999</option> <option value="1998">1998</option> <option value="1997">1997</option> <option value="1996">1996</option> <option value="1995">1995</option> <option value="1994">1994</option> </select> end <select name="em" class="text_blue"> <option></option> <option value="1">Jan</option> <option value="2">Feb</option> <option value="3">Mar</option> <option value="4">Apr</option> <option value="5">May</option> <option value="6">Jun</option> <option value="7">Jul</option> <option value="8">Aug</option> <option value="9">Sep</option> <option value="10">Oct</option> <option value="11">Nov</option> <option value="12">Dec</option> </select> <select name="ey" class="text_blue"> <option></option> <option value="2009">2009</option> <option value="2008">2008</option> <option value="2007">2007</option> <option value="2006">2006</option> <option value="2005">2005</option> <option value="2004">2004</option> <option value="2003">2003</option> <option value="2002">2002</option> <option value="2001">2001</option> <option value="2000">2000</option> <option value="1999">1999</option> <option value="1998">1998</option> <option value="1997">1997</option> <option value="1996">1996</option> <option value="1995">1995</option> <option value="1994">1994</option> </select> </span> </td> <td width="1" class="docsort"></td> <td width="95%" class="docsort"> <input type="hidden" name="default" value="0"> <input type="hidden" name="viewall" value="0"> <input type="hidden" name="criteria" value="1"> <a href="javascript:SubmitNewSearch()"> <img src="/web/20090722200120im_/http://www.kff.org/cproot-images/button_sort.gif" width="31" height="17" border="0" alt="Sort"></a></td> <td width="1%" class="docsort"> </td> </tr> <tr> <td class="docsort"></td> <td class="docsort" nowrap> </td> <td class="docsort"> </td> <td class="docsort" nowrap> </td> <td class="docsort"> </td> <td class="docsort"> </td> <td class="docsort"> </td> </tr> </table> <input type="hidden" name="to" value=""> 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class="title_default_blue">Health Insurance/Costs</div><div class="text_description">Americans receive their health care coverage from a variety of sources including private insurance provided through their employment or purchased on their own, and public insurance programs such as Medicare and Medicaid. About 160 million nonelderly Americans have employer-sponsored health insurance, and another 13 million purchase insurance directly from an insurer or HMO. Spending for health care services continues to rise, in total ($1.4 trillion in 2001; $3.1 trillion projected for 2012) and as a share of the country’s gross national product (14.1% in 2001; 17.7% projected for 2012). <p>Premium costs for people with private insurance have risen dramatically in recent years, with double-digit rate increases each of the first three years of the new millennium. At the same time, consumers have seen their out-of-pocket costs for deductibles, copayments, and other cost sharing rise significantly over the same period. While coverage availability has declined only modestly for those with job-based coverage, a slack economy and high unemployment have focused attention on access and cost issues faced by consumers seeking individual coverage. Coverage and cost issues have led to debate about how to control increases in health care costs and how to provide coverage for the uninsured.</p><p>Through its Health Care Marketplace Project, the Foundation provides information and analysis about issues and trends in health insurance, health care costs, and health care services. Descriptions of how the private health insurance market operates and how it is regulated are provided in a series of fact sheets, chart packs, and reports. Data from the annual KFF/HRET employer health benefit survey documents annual changes in the costs, availability, and benefits of job-based coverage. Information on insurance issues of importance to consumers, such as appeal rights and other consumer protections, is provided through reports and surveys. 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