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The Cost of Individual Health Insurance

The Cost of Individual Health Insurance

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The Cost of Individual Health Insurance

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  1. The Cost of Individual Health Insurance Thomas Wildsmith, FSA, MAAA Policy Research Actuary July 9, 2002

  2. Individual Insurance is Not Just for the Rich Source: HIAA analysis of 2001 Census Bureau data.

  3. HIAA Survey Data • 12 Member Companies • 1,114,567 Insurance Policies • Approximately 2,000,000 Insured Individuals

  4. People of All Ages Buy Individual Insurance Source: HIAA survey of member companies.

  5. Individual Health Insurance Can be Affordable Source: HIAA survey of member companies.

  6. Individual Health Insurance Can be Affordable Source: HIAA survey of member companies.

  7. Tax Credits Can Make a Big Difference Source: HIAA survey of member companies.

  8. Tax Credits Can Make A Big Difference Source: Analysis based on HIAA survey of member companies.

  9. Tax Credits Can Make A Big Difference Source: Analysis based on HIAA survey of member companies.

  10. Tax Credits Can Make a Big Difference Source: Analysis based on HIAA survey of member companies.

  11. Tax Credits Can Make a Big Difference Source: Analysis based on HIAA survey of member companies.

  12. Tax Credits Can Make a Big Difference Source: Analysis based on HIAA survey of member companies.

  13. Many Poor Have Individual Coverage;Many More are Uninsured Source: HIAA analysis of 2001 EBRI data.

  14. Lessons from Uninsured Research • Coverage matters – it affects access to care and health outcomes • Primary barrier to coverage is cost

  15. Credits Address the Cost Barrier • Reduce the cost burden on the low-income • Help those with coverage to upgrade it • Help those without coverage to buy it