Insurance premiums (81 - 90 of 116 items)
Health Care Reform: Implications of Geographic Boundaries for Proposed Alliances
T-HEHS-94-108: Published: Feb 24, 1994. Publicly Released: Feb 24, 1994.
Pursuant to a congressional request, GAO discussed proposed health care reform legislation, focusing on the potential effects of health alliance boundaries. GAO noted that: (1) each legislative proposal gives states the responsibility for establishing alliance boundaries; (2) all of the bills prohibit states from subdividing metropolitan statistical areas (MSA) and permit health plans to operate a...
Health Insurance Regulation: Wide Variation in States' Authority, Oversight, and Resources
HRD-94-26: Published: Dec 27, 1993. Publicly Released: Jan 11, 1994.
Pursuant to a congressional request, GAO provided information on how states regulate health insurance, focusing on state insurance departments': (1) role in regulating health insurance; (2) standards and regulatory responsibilities; (3) budget and staff resources; and (4) oversight activities.GAO found that: (1) although state insurance departments are responsible for overseeing health insurers an...
Health Care Reform: Supplemental and Long-Term Care Insurance
T-HRD-94-58: Published: Nov 9, 1993. Publicly Released: Nov 9, 1993.
Pursuant to a congressional request, GAO discussed provisions of the proposed Health Security Act, focusing on existing problems with private long-term care and supplemental health insurance. GAO noted that: (1) the administration's proposal for long-term care insurance provides consumer protection against unfair or deceptive marketing practices; (2) most existing health insurance policies do not...
Health Insurance: How Health Care Reform May Affect State Regulation
T-HRD-94-55: Published: Nov 5, 1993. Publicly Released: Nov 5, 1993.
GAO discussed states' regulation of health insurance and how proposed health care reforms could affect state health insurance regulation. GAO noted that: (1) only about 24 percent of U.S. national health expenditures are paid by state-regulated health insurers; (2) state insurance agencies commit 4 to 57 percent of their budgets to health insurance regulation; (3) many states cannot estimate the n...
Long-Term Care Insurance: High Percentage of Policyholders Drop Policies
HRD-93-129: Published: Aug 25, 1993. Publicly Released: Sep 3, 1993.
Pursuant to a congressional request, GAO reviewed consumer protection standards for long-term care insurance policyholders who allow their policies to lapse, focusing on the percentage of: (1) lapsed policies; and (2) policyholders' premiums that are paid as sales commissions.GAO found that: (1) at least 50 percent of long-term care policyholders are expected to allow their insurance policies to l...
Long-Term Care Insurance: Tax Preferences Reduce Costs More for Those in Higher Tax Brackets
GGD-93-110: Published: Jun 22, 1993. Publicly Released: Jul 23, 1993.
Pursuant to a congressional request, GAO provided information on the potential effect of applying various insurance premium proposals on long-term care insurance, focusing on how: (1) various tax incentives would affect long-term care policies, lifetime benefits, and individual costs; and (2) consumer age, tax bracket, and private or company-provided insurance would affect premiums.GAO found that:...
Federal Health Benefits Program: Analysis of Contingency and Special Reserves
GGD-93-26: Published: Dec 4, 1992. Publicly Released: Dec 22, 1992.
Pursuant to a congressional request, GAO evaluated the financial soundness of proposed changes to reserve requirements of the Federal Employees Health Benefits Program (FEHBP).GAO found that: (1) the total combined reserve balance fluctuated widely; (2) at various times the reserve balance was at levels that the Office of Personnel Management (OPM) considered to be excessive or dangerously low; (3...
Employer-Based Health Insurance: High Costs, Wide Variation Threaten System
HRD-92-125: Published: Sep 22, 1992. Publicly Released: Oct 28, 1992.
Pursuant to a congressional request, GAO provided information on business health insurance cost burdens and employers that are particularly vulnerable to the escalation of health insurance costs, focusing on: (1) various employers' health benefits costs; and (2) factors contributing to the cost differences among employers.GAO found that: (1) from 1987 to 1990, business health spending has grown at...
Long-Term Care Insurance: Actions Needed to Reduce Risks to Consumers
T-HRD-92-44: Published: Jun 23, 1992. Publicly Released: Jun 23, 1992.
GAO discussed its recent studies of long-term care insurance. GAO noted that: (1) many consumers are vulnerable to considerable risks in purchasing long-term care insurance because states have not adopted optional standards drafted by a national insurance industry association; (2) insurance companies have adopted the standards more quickly than states, but most policies reviewed did not meet the s...
Access to Health Insurance: State Efforts to Assist Small Businesses
T-HRD-92-40: Published: Jun 9, 1992. Publicly Released: Jun 9, 1992.
GAO discussed state efforts to improve the availability and affordability of health insurance for small businesses. GAO noted that: (1) 43 states have initiated one or more insurance regulatory reforms to improve access to affordable health insurance for small firms and their employees; (2) nearly half of the states have passed legislation reducing or eliminating mandated benefits and now permit i...