Private Health Insurance: Factors Affecting Premiums, Federal Policy, and Tax Credits

Peter Hawkins (Editor)

Series: Health Care in Transition
BISAC: LAW046000



Volume 10

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Special issue: Resilience in breaking the cycle of children’s environmental health disparities
Edited by I Leslie Rubin, Robert J Geller, Abby Mutic, Benjamin A Gitterman, Nathan Mutic, Wayne Garfinkel, Claire D Coles, Kurt Martinuzzi, and Joav Merrick


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Most Americans are covered by private health insurance, which they either obtain through employment or purchase individually. Insurance premiums—the payments made to buy that coverage by enrollees or by other parties on their behalf—are high and rising. The Congressional Budget Office and the staff of the Joint Committee on Taxation (JCT) projected that in 2016, the average premium for an employment-based insurance plan will be about $6,400 for single coverage and about $15,500 for family coverage. Average premiums for coverage purchased individually (in what is called the nongroup market) are also high—but not quite as high as average employment-based premiums, mostly because nongroup coverage is less extensive and thus requires enrollees to make higher out-of-pocket payments when they receive care. This book reviews the factors affecting premiums, federal policies and tax credits in private health insurances. (Imprint: Novinka)


Chapter 1. Private Health Insurance Premiums and Federal Policy
Alice Burns and Philip Ellis

Chapter 2. Eligibility and Determination of Health Insurance Premium Tax Credits and Cost-Sharing Subsidies: In Brief
Bernadette Fernandez

Chapter 3. Overview of Health Insurance Exchanges
Namrata K. Uberoi, Annie L. Mach and Annie L. Mach


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