Financial Protection and Value of Individual and Employer-Sponsored Health Insurance: A National Perspective


As the United States considers comprehensive health care reform, a critical challenge facing policymakers is defining what constitutes affordable health coverage. Measuring the affordability of health plans based only on premiums fails to take into account deductible size and covered services, which can dramatically affect a family's overall out-of-pocket costs during the year. This project will document the comparative affordability of small-group, large-group, and individual market insurance plans, taking into account both premiums and out-of-pocket medical expenses. In addition, the researchers will examine the benefit structure of plans available in individual markets in 10 states, and compare the expected out-of-pocket expenses for people enrolled in individual and group plans.

Grant Details

Grantee Organization:
National Opinion Research Center
Principal Investigator:
Jon Gabel, M.A.
Award Amount:
Approval Date:
November 14, 2007

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