Can Medicare be saved with a market approach?
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Aged↗
Biomedical subjects
L M Nichols
Publications and source records attributed to L M Nichols.
The Health Insurance Portability and Accountability Act of 1996: summary of provisions and anticipated effects.
The Health Insurance Portability and Accountability Act of 1996 (HIPAA; PL 104-191), popularly known as the Kassebaum-Kennedy legislation, contains a broad array of provisions with collective implications for a large segment of the population. The legislation contains provisions affecting the private insurance markets, the federal tax code, and strategies for decreasing fraud and abuse and for increasing the simplification of administrative procedures. Two objectives hold together the disparate pieces of this legislation. The first objective is to improve the accessibility of insurance for individuals with preexisting medical conditions. The second objective is to make health insurance and health services more affordable. This article is designed to provide an overview of the multiple components of HIPAA, and to identify the parties that are likely to be affected by each component. It concludes with a discussion of how well HIPAA can be expected to fulfill its two goals.
Health Care Reform↗
Estimating costs of underusing advanced practice nurses.
A model for estimating the cost of underutilizing nurses in advanced practice is proposed. Numerical requirements for implementing the model are detailed and examples are provided.
Health Care Costs↗
How are net health insurance benefits distributed in the employment-related insurance market?
The recent health care reform debate has questioned whether the health insurance market effectively pools risks and transfers income across states of health. We use data from the 1987 National Medical Expenditure Survey to examine how net health insurance benefits are distributed in the employment-related insurance market. We find this market to transfer income from those in good health to those with health problems and the tax subsidy from employer health insurance contributions to be a crucial determinant of the net benefit distribution. To the extent society views these transfers as meritorious, our findings suggest caution regarding initiatives to limit or eliminate the tax subsidy.
Actuarial Analysis↗