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Small group health insurance reform in Rhode Island: promises and pitfalls of the HEALTHpact plan.

ABSTRACT:

Objective

This study analyzes what design elements inhibited enrollment in HEALTHpact.

Study setting

HEALTHpact is a high deductible plan with a premium capped at 10 percent of the average Rhode Island wage. Deductibles are reduced if enrollees meet wellness criteria.

Study design

Qualitative case study.

Data collection

Archival documents and 23 interviews.

Principal findings

Inclusion of a subsidy would have led to lower premiums and more generous coverage. Although priced lower than other plans, HEALTHpact still did not offer good value for most firms. Wellness incentives also were too complex.

Conclusions

Subsidies for purchase of insurance coverage are critical to national reform of the small group market. Designers also will need to carefully balance program complexity with innovation in encouraging wellness and product appeal.

SUBMITTER: Miller EA

PROVIDER: S-EPMC3037783 | biostudies-literature | 2011 Feb

REPOSITORIES: biostudies-literature

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Publications

Small group health insurance reform in Rhode Island: promises and pitfalls of the HEALTHpact plan.

Miller Edward Alan EA Trivedi Amal A Kuo Sylvia S Mor Vincent V

Health services research 20101105 1 Pt 2

<h4>Objective</h4>This study analyzes what design elements inhibited enrollment in HEALTHpact.<h4>Study setting</h4>HEALTHpact is a high deductible plan with a premium capped at 10 percent of the average Rhode Island wage. Deductibles are reduced if enrollees meet wellness criteria.<h4>Study design</h4>Qualitative case study.<h4>Data collection</h4>Archival documents and 23 interviews.<h4>Principal findings</h4>Inclusion of a subsidy would have led to lower premiums and more generous coverage. A ...[more]

PMID: 21054375

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Rhode Island Child Health Study

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Rhode Island Child Health Study

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Racial Differences in Insurance Stability After Health Insurance Reform.

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| S-EPMC6605092 | biostudies-literature

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| S-EPMC9585138 | biostudies-literature

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The Promises and Pitfalls of Genoeconomics*

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