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Private & Employer

Private and employer-based insurance provide coverage for the majority of Californians. These reports offer information on trends in employer health benefits, health spending, and other aspects of the private and employer-based insurance market.

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California Employer Health Benefits Survey

December 2011

California workers are feeling the squeeze when it comes to their health benefits. The coverage landscape includes continued premium growth, more cost-sharing, and higher deductibles.

California Health Plans and Insurers

November 2011

Despite some enrollment losses, most California health plans still turned a profit in 2010. This annual CHCF Almanac report looks at market share, financial performance, and consumer satisfaction.

Overview of Proposed Exchange, Medicaid, and IRS Regulations

September 2011

Many details remain unclear on how California consumers and small businesses will obtain coverage under the Affordable Care Act. An analysis of draft federal regulations provides a look at what's ahead.

Health Care Costs 101

May 2011

As health costs edge ever upward, see where we spend our health care dollars and estimates of future spending. This annual snapshot tracks national spending with California data when it is available.

How Ambulatory Intensive Caring Units Can Reduce Costs and Improve Outcomes

May 2011

A group of articles examines ways to redesign primary care to improve affordability.

Facts and Findings for Policymakers: Individual Health Insurance in California

July 2009

This report examines the issues faced by Californians who buy their own health insurance instead of getting it through an employer, including higher premiums and less comprehensive coverage.

Actuarial Value: A Method for Comparing Health Plan Benefits

November 2008

This paper describes Watson Wyatt's analytic approach to comparing health plans, presents the strengths and limitations of actuarial value as a summary measure, and offers observations about using actuarial value to assess diverse health plans.

How Much Is Too Much? An Analysis of Health Plan Profits and Administrative Costs in California

October 2008

With California health insurance premiums rapidly rising, policymakers have suggested regulating health plan administrative costs and profits. This issue brief examines the causes of the rise and the effects of such regulations in other states.

Employer Cafeteria Plans: States' Legal and Policy Issues

October 2008

This report reviews state and federal requirements for employer-sponsored health insurance plans, or "cafeteria" plans. It describes the standards governing certain classes of employees, as well as responsibilities under COBRA, HIPAA, and ERISA.

Worry and Neglect: Californians Respond to the Rising Cost of Care

July 2008

This snapshot suggests that increasingly, Californians are trying to control medical costs by neglecting care and asking for cheaper medications, leading to more hospitalizations and emergency department use.

Check the Label: Helping Consumers Shop for Individual Health Coverage

June 2008

Comparing individual health insurance plans is so confusing that many people remain uninsured. This issue brief reports the findings of CHCF-commissioned consumer testing of a standardized format—similar to a nutrition label—that allows shoppers to compare plan benefits, costs, and value.

The CDHP Implementation Experience with Large Employers

August 2007

This issue brief about a four-year study of large employers offering consumer-directed health plans focuses on the implementation experience, but also evaluates plan designs, information tools, cost, and quality of care.

Snapshot: Employer Health Insurance Costs in the United States

July 2007

This snapshot provides an overview of trends in employer health insurance costs in the United States, focusing on premium contributions as a share of payroll.

Snapshot: Health Insurance: Can Californians Afford It? 2007 Edition

June 2007

This snapshot examines changes in the affordability and scope of coverage of health insurance in California in the individual and small group markets.

Trends in the Golden State: Small Group Premiums Rise Sharply while Actuarial Values for Individual Coverage Plummet

June 2007

This Health Affairs article by Gabel et al. shows that individual coverage in California is growing less affordable faster than small group coverage.

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