Private Health Insurance Premiums and Rate Reviews

Private Health Insurance Premiums and Rate Reviews

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Health insur. premiums (HIP) have been trending up, while the value of coverage has trended down. Both admin. and medical costs continue to rise, but the rate of growth in these expenses slowed between 2008 and 2009. The rise in medical costs is primarily attributable to the price of services, not increased utilization. This report provides an overview of the concepts, regulation, and public data regarding private HIP. Contents of this report: (1) Intro.; (2) Drivers of HIP Increases: Health Benefits Exp.; Unit Prices; Health Service Utilization; Admin. Costs; Health Insur. Co. Profits; The Underwriting Cycle; (3) Review of Health Insur. Rates: State Rate Filing and Reviews; Fed. Reforms Affecting HIP. Charts and tables. A print on demand report.For example, Ford Motor Company does not have one price for each of its vehicles. It charges separate prices for the Explorer, Taurus, Fusion Hybrid, and its other models. Similarly, premium rates are calculated at the health insurance product level (i.e., the health plan or policy that a person, ... These data are also limited by the fact that many health insurance companies have multiple non- insuranceanbsp;...

Title:Private Health Insurance Premiums and Rate Reviews
Author: Mark Newsom
Publisher:DIANE Publishing - 2011-04-01

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