Setting a standard of affordability for health insurance coverage |
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Authors: | Blumberg Linda J Holahan John Hadley Jack Nordahl Katharine |
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Institution: | Health Policy Center, Urban Institute, Washington, DC, USA. lblumber@ui.urban.org |
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Abstract: | Recently, Massachusetts passed landmark legislation designed to expand health insurance coverage. This legislation includes a requirement that all adults enroll in a health insurance plan. This mandate takes effect only if an "affordable" plan is available. The definition of affordability for individuals and families of different incomes or circumstances is a critical decision in implementation and is relevant to any state or federal reform requiring individual premium or cost-sharing contributions, or both. This analysis was done to assist the policy design process in Massachusetts and delineates an empirically based approach to setting affordability standards. |
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