Children’s Health Insurance Program Premiums Adversely Affect Enrollment, Especially Among Lower-Income Children

CHIP premiums, health status, and the insurance coverage of children.

This study uses the introduction of premiums into Kentucky's Children's Health Insurance Program (KCHIP) to examine whether the enrollment impact of new premiums varies by child health type. We also examine the extent to which children find alternative coverage after premium nonpayment. Public insurance claims data suggest that those with chronic health conditions are less likely to leave publi...

Eliminating Barriers to Enrollment in the Children’s Health Insurance Program

In 1997, Congress authorized the State Children’s Health Insurance Program (SCHIP or CHIP) to decrease the number of uninsured children in the United States. By September 1999 all states had submitted their CHIP plans to and received approval from the U.S. Department of Health and Human Services. Yet, in spite of ambitious efforts on the part of many states to assemble their CHIP programs quick...

Private Health Insurance Premiums and Federal Policy

Most Americans are covered by private health insurance, which they either obtain through employment or purchase individually. Insurance premiums—the payments made to buy that coverage by enrollees or by other parties on their behalf—are high and rising. The Congressional Budget Office and the staff of the Joint Committee on Taxation (JCT) project that in 2016, the average premium for an employm...

Incentive-compatible guaranteed renewable health insurance premiums.

Theoretical models of guaranteed renewable insurance display front-loaded premium schedules. Such schedules both cover lifetime total claims of low-risk and high-risk individuals and provide an incentive for those who remain low-risk to continue to purchase the policy. Questions have been raised of whether actual individual insurance markets in the US approximate the behavior predicted by these...

Rwanda hikes premiums in health insurance overhaul.