April 26, 2013 - Eighty-four million people―nearly half of all working-age U.S. adults―went without health insurance for a time last year or were underinsured because of high out-of-pocket costs relative to income, according to a new study based on findings from the Commonwealth Fund's 2012 Biennial Health Insurance Survey.
April 3, 2013 - In invited testimony before the Committee on Energy and Commerce, Sara Collins testified that the program has been a critical bridge to 2014, but its limitations demonstrate why high-risk pools are an inadequate substitute for the comprehensive insurance market reforms and expanded health insurance options to go into effect under the Affordable Care Act next January.
March 22, 2013 - Health insurance companies reported spending an average of less than 1 percent of the premiums they collected from policyholders in 2011 on activities directly supporting improvement of health care quality, according to a new Commonwealth Fund study.
March 12, 2013 - This issue brief examines state action to select an essential health benefits benchmark plan and finds that 24 states and the District of Columbia selected a plan. All but five states will have a small-group plan as their benchmark.
March 5, 2013 - In this Commonwealth Fund–supported study, researchers examine the effects of a wellness program begun in 2005 for employees and dependents of a hospital system in St. Louis, Mo.
In the Literature
February 1, 2013 - Because states are the primary regulators of health insurance, this issue brief examines new state action on a subset of protections—such as guaranteed access to coverage and a ban on preexisting condition exclusions—that go into effect in 2014.
December 12, 2012 - Average premiums for employer-sponsored family health insurance plans rose 62 percent between 2003 and 2011, rising far faster than incomes did in all states, according to a new Commonwealth Fund analysis that tracks trends in job-based coverage state by state.
December 12, 2012 - Analysis of employer-sponsored health insurance costs in 41 U.S. metropolitan areas shows a 61 percent average increase in premiums for family coverage from 2003 to 2011, and a 21 percent increase over the past three years.
December 5, 2012 - The Affordable Care Act requires health insurers to pay out at least 80 percent of premiums for medical claims and quality improvement,a s opposed to administrative costs and profits. This issue brief examines whether insurers have reduced administrative costs and profit margins in response to this rule.
November 30, 2012 - With Commonwealth Fund support, researchers set out to determine if removing drug copayments could lower costs and decrease the incidence of major coronary events for the larger population of at-risk people who take these medications but have not suffered heart attacks.
November 28, 2012 - The Affordable Care Act changes the small-group insurance market substantially beginning in 2014, but most changes do not apply to self-insured plans. This exemption provides an opening for small employers with healthier workers to avoid broader sharing of health care risk. The authors of this brief conclude that regulation of stop-loss or reinsurance can prevent such adverse selection and increase stability in small-group insurance coverage.
November 1, 2012 - A new Commonwealth Fund study highlights a nearly decade-long trend of declining health insurance coverage and rising costs for workers in small businesses, particularly employees making less than $15 an hour.
October 24, 2012 - Almost one in five Americans younger than 65 lived in families with high medical costs in 2009, roughly the same as 2006 despite widespread job and health insurance losses and declining incomes, according to a Commonwealth Fund-supported study by the Center for Studying Health System Change published by Health Affairs.
In the Literature
October 9, 2012 - The Affordable Care Act prohibited insurers from denying or limiting coverage for children in 2010. In response, some insurers ceased to offer coverage to children in need of individual health insurance, known as a "child-only" policy. This issue brief examines new state legislative and regulatory action to promote the availability of child-only policies.
October 2, 2012 - With President Obama and Governor Romney offering fundamentally different visions for the nation's health system, the presidential election provides a stark choice for U.S. voters. This analysis contrasts the potential impact of implementing the Affordable Care Act in full with Romney’s proposals to repeal the law, eliminate many of the new requirements for insurance markets, and make changes in Medicaid and Medicare.