Federal employees health program experiences lack of competition in some areas, raising cost concerns for exchange plans
The Affordable Care Act calls for creation of health insurance exchanges designed to provide private health insurance plan choices. The Federal Employees Health Benefits Program is a national model that to some extent resembles the planned exchanges. Both offer plans at the state level but are also overseen by the federal government. We examined the availability of plans and enrollment levels in the Federal Employees Health Benefits Program throughout the United States in 2010. We found that although plans were widely available, enrollment was concentrated in plans owned by just a few organizations, typically Blue Cross/Blue Shield plans. Enrollment was more concentrated in rural areas, which may reflect historical patterns of enrollment or lack of provider networks. Average biweekly premiums for an individual were lowest ($58.48) in counties where competition was extremely high, rising to $65.13 where competition was extremely low. To make certain that coverage sold through exchanges is affordable, policy makers may need to pay attention to areas where there is little plan competition and take steps through risk-adjustment policies or other measures to narrow differences in premiums and out-of-pocket expenses for consumers.
| Medienart: |
E-Artikel |
|---|
| Erscheinungsjahr: |
2012 |
|---|---|
| Erschienen: |
2012 |
| Enthalten in: |
Zur Gesamtaufnahme - volume:31 |
|---|---|
| Enthalten in: |
Health affairs (Project Hope) - 31(2012), 6 vom: 05. Juni, Seite 1321-8 |
| Sprache: |
Englisch |
|---|
| Beteiligte Personen: |
McBride, Timothy D [VerfasserIn] |
|---|
| Links: |
|---|
| Themen: |
|---|
| Anmerkungen: |
Date Completed 19.11.2012 Date Revised 01.12.2018 published: Print Citation Status MEDLINE |
|---|
| doi: |
10.1377/hlthaff.2011.1265 |
|---|
| funding: |
|
|---|---|
| Förderinstitution / Projekttitel: |
|
| PPN (Katalog-ID): |
NLM218343825 |
|---|
| LEADER | 01000naa a22002652 4500 | ||
|---|---|---|---|
| 001 | NLM218343825 | ||
| 003 | DE-627 | ||
| 005 | 20231224040204.0 | ||
| 007 | cr uuu---uuuuu | ||
| 008 | 231224s2012 xx |||||o 00| ||eng c | ||
| 024 | 7 | |a 10.1377/hlthaff.2011.1265 |2 doi | |
| 028 | 5 | 2 | |a pubmed24n0727.xml |
| 035 | |a (DE-627)NLM218343825 | ||
| 035 | |a (NLM)22665845 | ||
| 040 | |a DE-627 |b ger |c DE-627 |e rakwb | ||
| 041 | |a eng | ||
| 100 | 1 | |a McBride, Timothy D |e verfasserin |4 aut | |
| 245 | 1 | 0 | |a Federal employees health program experiences lack of competition in some areas, raising cost concerns for exchange plans |
| 264 | 1 | |c 2012 | |
| 336 | |a Text |b txt |2 rdacontent | ||
| 337 | |a ƒaComputermedien |b c |2 rdamedia | ||
| 338 | |a ƒa Online-Ressource |b cr |2 rdacarrier | ||
| 500 | |a Date Completed 19.11.2012 | ||
| 500 | |a Date Revised 01.12.2018 | ||
| 500 | |a published: Print | ||
| 500 | |a Citation Status MEDLINE | ||
| 520 | |a The Affordable Care Act calls for creation of health insurance exchanges designed to provide private health insurance plan choices. The Federal Employees Health Benefits Program is a national model that to some extent resembles the planned exchanges. Both offer plans at the state level but are also overseen by the federal government. We examined the availability of plans and enrollment levels in the Federal Employees Health Benefits Program throughout the United States in 2010. We found that although plans were widely available, enrollment was concentrated in plans owned by just a few organizations, typically Blue Cross/Blue Shield plans. Enrollment was more concentrated in rural areas, which may reflect historical patterns of enrollment or lack of provider networks. Average biweekly premiums for an individual were lowest ($58.48) in counties where competition was extremely high, rising to $65.13 where competition was extremely low. To make certain that coverage sold through exchanges is affordable, policy makers may need to pay attention to areas where there is little plan competition and take steps through risk-adjustment policies or other measures to narrow differences in premiums and out-of-pocket expenses for consumers | ||
| 650 | 4 | |a Journal Article | |
| 650 | 4 | |a Research Support, U.S. Gov't, Non-P.H.S. | |
| 700 | 1 | |a Barker, Abigail R |e verfasserin |4 aut | |
| 700 | 1 | |a Pollack, Lisa M |e verfasserin |4 aut | |
| 700 | 1 | |a Kemper, Leah M |e verfasserin |4 aut | |
| 700 | 1 | |a Mueller, Keith J |e verfasserin |4 aut | |
| 773 | 0 | 8 | |i Enthalten in |t Health affairs (Project Hope) |d 1981 |g 31(2012), 6 vom: 05. Juni, Seite 1321-8 |w (DE-627)NLM012834297 |x 1544-5208 |7 nnns |
| 773 | 1 | 8 | |g volume:31 |g year:2012 |g number:6 |g day:05 |g month:06 |g pages:1321-8 |
| 856 | 4 | 0 | |u http://dx.doi.org/10.1377/hlthaff.2011.1265 |3 Volltext |
| 912 | |a GBV_USEFLAG_A | ||
| 912 | |a GBV_NLM | ||
| 951 | |a AR | ||
| 952 | |d 31 |j 2012 |e 6 |b 05 |c 06 |h 1321-8 | ||