Health Insurance Markets

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Research

Oct 22, 2025

The Unintended Consequences Of The ACA's Medical Loss Ratio Requirement

In this Forefront article, we discuss how the medical loss ratio statute has led to higher premiums and higher medical care spending, and propose policy solutions.
Sep 9, 2025

How RAND Helps Governments Save Money on Health Care: Recent Examples from RAND Health Research

For more than 60 years, RAND's analysis of health care issues has guided allocation of government resources, uncovered savings, found solutions to policy problems, and noted improved outcomes. This paper highlights some of those efforts.
Research

Jul 10, 2025

No Data, No Problem: Quantifying Latine Individuals Eligible for but Not Enrolled in Medicaid or Affordable Care Act Marketplace-Based Insurance in North Carolina

Latine communities in North Carolina face high uninsured rates due to systemic barriers; improved data and community-informed, culturally tailored interventions are needed to increase enrollment in health insurance programs.
Research

Dec 10, 2024

Prices Paid to Hospitals by Private Health Plans: Findings from Round 5.1 of an Employer-Led Transparency Initiative

The lack of transparency of prices in the U.S. health care market limits employers' ability to knowledgeably develop or implement benefit design decisions. This report presents a metric that can be used to compare hospital prices.
Press

Sep 23, 2024

Online Tool Estimates Cost of State-Funded Health Insurance for Immigrants; Can Aid Discussions About Whether to Extend Coverage

A new online tool allows state policymakers and other stakeholders to estimate the potential cost of expanding state health insurance programs to include individuals who do not qualify solely due to immigration status, a strategy already adopted by many states as a way to extend health coverage to more people.
Research

Sep 23, 2024

A Tool to Estimate the Impact of Expanding Health Insurance Options for Noncitizen Immigrants: Methods Report

The authors describe the data and methodology used to develop an online tool that allows state policymakers and stakeholders to estimate the enrollment and cost implications of expanding Medicaid or Marketplace-like coverage to ineligible immigrants.
Tool

Sep 23, 2024

Assessing Coverage and Costs Associated with State-Funded Health Insurance (ACCESS) for Immigrants Estimator

This tool allows users to view health insurance coverage by state as of September 2024 for immigrants who are ineligible for federally funded programs and to calculate the estimated enrollment and costs for covering immigrant populations.
Research

Sep 20, 2024

Efficiency in Organizational Structure? Assessing Heterogeneous Effects in Hospital-Physician Integration

Using a 100% national sample of Medicare data, we estimate the impacts of hospital-physician integration using parametric and nonparametric quantile differences-in-differences approaches.
Research

Jun 28, 2024

Market Landscape and Insurer-Provider Integration: The Case of Ambulatory Surgery Centers

Insurer-provider integration is a new form of vertical integration, with increasing prominence in health care markets. This paper documents the growth and geographic spread of a dominant insurer's acquisitions of ambulatory surgery centers.
Press

May 13, 2024

Private Health Plans During 2022 Paid Hospitals 254 Percent of What Medicare Would Pay

Prices paid to hospitals during 2022 by employers and private insurers for both inpatient and outpatient services averaged 254 percent of what Medicare would have paid, with wide variation in prices among states.
Research

Jan 24, 2024

Assessing the Impact of Individual Market Reforms in Minnesota

Minnesota's health insurance market could be affected by anticipated changes to federal premium subsidies and state funding for its reinsurance program. RAND researchers estimate the effects of state-funded subsidies in response to these changes.
Expert Insights

May 17, 2023

Health Care Consolidation: The Changing Landscape of the U.S. Health Care System

Testimony submitted to the U.S. House of Representatives Committee on Ways and Means, Subcommittee on Health on May 17, 2023.

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Related Topics

Private Health Plans Paid Hospitals 254 Percent of What Medicare Would Pay

Could State-Funded Subsidies Help Minnesota's Health Insurance Market?

Explore RAND’s Work on this Topic

Error

The Unintended Consequences Of The ACA's Medical Loss Ratio Requirement

How RAND Helps Governments Save Money on Health Care: Recent Examples from RAND Health Research

No Data, No Problem: Quantifying Latine Individuals Eligible for but Not Enrolled in Medicaid or Affordable Care Act Marketplace-Based Insurance in North Carolina

Prices Paid to Hospitals by Private Health Plans: Findings from Round 5.1 of an Employer-Led Transparency Initiative

Online Tool Estimates Cost of State-Funded Health Insurance for Immigrants; Can Aid Discussions About Whether to Extend Coverage

A Tool to Estimate the Impact of Expanding Health Insurance Options for Noncitizen Immigrants: Methods Report

Assessing Coverage and Costs Associated with State-Funded Health Insurance (ACCESS) for Immigrants Estimator

Efficiency in Organizational Structure? Assessing Heterogeneous Effects in Hospital-Physician Integration

Market Landscape and Insurer-Provider Integration: The Case of Ambulatory Surgery Centers

Private Health Plans During 2022 Paid Hospitals 254 Percent of What Medicare Would Pay

Assessing the Impact of Individual Market Reforms in Minnesota

Health Care Consolidation: The Changing Landscape of the U.S. Health Care System

Oops! An unexpected error has occurred.

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Health Insurance Markets

Health Insurance Markets

Related Topics

Private Health Plans Paid Hospitals 254 Percent of What Medicare Would Pay

Could State-Funded Subsidies Help Minnesota's Health Insurance Market?

Explore RAND’s Work on this Topic

Error

The Unintended Consequences Of The ACA's Medical Loss Ratio Requirement

How RAND Helps Governments Save Money on Health Care: Recent Examples from RAND Health Research

No Data, No Problem: Quantifying Latine Individuals Eligible for but Not Enrolled in Medicaid or Affordable Care Act Marketplace-Based Insurance in North Carolina

Prices Paid to Hospitals by Private Health Plans: Findings from Round 5.1 of an Employer-Led Transparency Initiative

Online Tool Estimates Cost of State-Funded Health Insurance for Immigrants; Can Aid Discussions About Whether to Extend Coverage

A Tool to Estimate the Impact of Expanding Health Insurance Options for Noncitizen Immigrants: Methods Report

Assessing Coverage and Costs Associated with State-Funded Health Insurance (ACCESS) for Immigrants Estimator

Efficiency in Organizational Structure? Assessing Heterogeneous Effects in Hospital-Physician Integration

Market Landscape and Insurer-Provider Integration: The Case of Ambulatory Surgery Centers

Private Health Plans During 2022 Paid Hospitals 254 Percent of What Medicare Would Pay

Assessing the Impact of Individual Market Reforms in Minnesota

Health Care Consolidation: The Changing Landscape of the U.S. Health Care System

Oops! An unexpected error has occurred.