Jove
Visualize
Contact Us
JoVE
x logofacebook logolinkedin logoyoutube logo
ABOUT JoVE
OverviewLeadershipBlogJoVE Help Center
AUTHORS
Publishing ProcessEditorial BoardScope & PoliciesPeer ReviewFAQSubmit
LIBRARIANS
TestimonialsSubscriptionsAccessResourcesLibrary Advisory BoardFAQ
RESEARCH
JoVE JournalMethods CollectionsJoVE Encyclopedia of ExperimentsArchive
EDUCATION
JoVE CoreJoVE BusinessJoVE Science EducationJoVE Lab ManualFaculty Resource CenterFaculty Site
Terms & Conditions of Use
Privacy Policy
Policies

Related Experiment Videos

State health insurance pools: current performance, future prospects.

R R Bovbjerg, C F Koller

    Inquiry : a Journal of Medical Care Organization, Provision and Financing
    |January 1, 1986
    PubMed
    Summary

    State health insurance pools often fail to achieve savings due to low enrollment and high medical costs. Improving these pools requires broader risk selection and active cost management for financial sustainability.

    Related Concept Videos

    You might also read

    Related Articles

    Articles linked to this work by shared authors, journal, and citation graph.

    Sort by
    Same author

    Paths to reducing medical injury: professional liability and discipline vs. patient safety--and the need for a third way.

    The Journal of law, medicine & ethics : a journal of the American Society of Law, Medicine & Ethics·2002
    Same author

    The role of glycoprotein IIb/IIIa inhibition in the management of acute coronary syndromes.

    Heart & lung : the journal of critical care·2001
    Same author

    Health insurance and health access. Reengineering local safety nets.

    The Journal of legal medicine·2001
    Same author

    Medical safety: from stories to policy.

    Health affairs (Project Hope)·2001
    Same author

    Managed care and medical injury: let's not throw out the baby with the backlash.

    Journal of health politics, policy and law·2000
    Same author

    Nonprofit conversion: theory, evidence, and state policy options.

    Health services research·1998

    Area of Science:

    • Health Policy
    • Public Health
    • Insurance Economics

    Background:

    • State health insurance pools are designed to cover individuals unable to obtain private insurance.
    • These pools aim for cost efficiencies through risk pooling and limited public administration.
    • Existing pools primarily target high-risk individuals, leading to limited enrollment and high expenditures.

    Purpose of the Study:

    • To evaluate the effectiveness of state health insurance pools in achieving their intended goals.
    • To identify factors contributing to the financial challenges faced by these pools.
    • To propose improvements for the design and operation of state health insurance pools.

    Main Methods:

    • Analysis of enrollment data and medical spending in existing state health insurance pools.
    • Assessment of the financial performance and sustainability of pool operations.
    • Review of pool design features, including risk selection criteria and administrative structures.

    Main Results:

    • Pools targeting high-risk individuals exhibit low enrollment rates relative to the eligible population.
    • High medical spending within pools negates potential economies of scale.
    • Financial deficits are common, leading to increased costs for insurers and state budgets.

    Conclusions:

    • Current state health insurance pool models are often financially unsustainable.
    • Improving pool effectiveness necessitates attracting a wider range of risk profiles.
    • Active management of medical costs is crucial for the viability of state health insurance pools.

    Related Experiment Videos