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The Cost of Individual Health Insurance

The Cost of Individual Health Insurance. Thomas Wildsmith, FSA, MAAA Policy Research Actuary July 9, 2002. Individual Insurance is Not Just for the Rich. Source: HIAA analysis of 2001 Census Bureau data. HIAA Survey Data. 12 Member Companies 1,114,567 Insurance Policies

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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

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