Product and Market Issues

Health insurance companies offer a wide array of products to help individuals and their families access and afford the health care they need while also providing financial protection when unexpected injury or illness arise. More than 200 million Americans receive coverage from private health plans from an employer, from the individual market or through government partnerships. Health plans are actively driving innovations to improve quality for patients and reduce the skyrocketing cost of health care. As the Affordable Care Act takes effect, health plans are working to adapt quickly to minimize disruptions across all markets so consumers can continue to have access to the coverage that they count on.

In this section:

Latest Resources

Guide to Disability Income Insurance - [PDF]

This guide by America’s Health Insurance Plans includes information about how much income an individual would need if he or she became disabled and were unable to work. The guide also includes a checklist to help compare disability income insurance policies.

Reports/Research/White Papers | Product Policy | 02/27/2014

Guide to Long-Term Care Insurance - [PDF]

Long-term care (LTC) insurance is an important tool for protecting against financial risk should chronic illness or disability leave a person unable to perform activities of daily living. Going beyond medical care and nursing care LTC insurance provides assistance through a variety of services to help meet everyday needs. LTC benefits can be received in a nursing home, assisted-living facility, or in the home. Though older people use the most long-term care services, a young or middle-aged person who has been in an accident or suffered a debilitating illness may also need long-term care.

AHIP Consumer Guides | 02/27/2014

Medigap is Valuable to Subpopulations - [PDF]

This fact sheet demonstrates the value that Medigap provides to lower income and rural Medicare beneficiaries, as well as less healthy beneficiaries. 

Reports/Research/White Papers | Clinical Affairs | 03/07/2013

Rise in Electronic Claims Submission Speeds Up Receipt, Processing Time

Health insurance plans processed 93 percent of claims within 14 days of receipt, and 98 percent of all claims within 30 days, according to the latest survey released by America’s Health Insurance Plans.

Press Releases | Strategic Communications | 02/05/2013

My Life. My Family.

My Life. My family. is a national education campaign by America’s Health Insurance Plans (AHIP) to inform consumers about their risks of needing long-term care and the valuable financial protection long-term care insurance provides.

Advocacy and Coalition Websites | 10/02/2012

The Health Savings Alliance

The Health Savings Alliance is a non-partisan, educational and grassroots initiative of America's Health Insurance Plans (AHIP). The Alliance is working to urge Congress to strengthen HSAs and HSA health plans, which continue to help protect families from the rising costs of health care.

Advocacy and Coalition Websites | 10/02/2012

The Partnership to Protect Medigap

The Partnership to Protect Medigap is a non-partisan, educational and grassroots initiative of America's Health Insurance Plans (AHIP). The coalition is composed of seniors, their families and health care providers advocating for the preservation of Medicare Supplement insurance options.

Advocacy and Coalition Websites | 10/02/2012

Your Income at Risk

Your Income at Risk is a non-profit, educational and grassroots initiative by America’s Health Insurance Plans (AHIP) that is working to help ensure Americans' financial security. The goal of the organization is to raise awareness about disability income insurance, which can help protect individuals and their families from financial hardship when illness or injury strikes.

Advocacy and Coalition Websites | Product Policy | 10/02/2012

Annual Employer Health Benefits Survey

The Kaiser Family Foundation conducts this annual survey of employers and provides a detailed look at trends in employer-sponsored health coverage, including premiums, employee contributions, cost-sharing provisions, and other relevant information.

Reports/Research/White Papers | Strategic Communications | 06/05/2012

Demographics of Medigap Enrollees - [PDF]

This fact sheet details the demographics of Medigap enrollees highlighting the income range and likelihood of having one or more chronic conditions of Medigap policyholders compared to Medicare beneficiaries as a whole.

Infographics | Strategic Communications | 05/10/2012

Medigap Myths and Facts - [PDF]

Medicare supplement (Medigap) insurance is a vitally important product for beneficiaries who choose Medicare’s original fee-for-service (FFS) program (Parts A and B). The Medicare program does not have a limit on beneficiaries’ potential out-of-pocket exposure. Working in tandem with Medicare, it allows seniors and other beneficiaries – many of whom are on fixed incomes – to budget for medical costs and to avoid the confusion and inconvenience of handling complex medical bills from providers.

Reports/Research/White Papers | Clinical Affairs | 04/24/2012

HHS ASPE Report on Variation in Medigap - [PDF]

This fact sheet summarizes key findings from the HHS Assistant Secretary for Planning and Evaluation (ASPE) Report on Variation and Trends in Medigap Premiums.  Most notably, the report found that overall, Medigap premiums have risen moderately over the past decade, and significantly more slowly than the growth in Medicare spending per beneficiary.

Reports/Research/White Papers | Clinical Affairs | 01/19/2012

Consumer Driven Health Care - A Futuristic View - [PDF]

 

Marketplace White Papers and Multimedia | 10/06/2011

Low-Income & Rural Beneficiaries with Medigap Coverage, 2009 - [PDF]

Medigap supplemental coverage has long helped Medicare beneficiaries fill gaps in their benefits. Recently released data from the 2009 Medicare Current Beneficiary Survey (MCBS) serve as a reminder of the critical role played by Medigap coverage. The MCBS data show that Medigap is particularly important to low- and moderate-income beneficiaries, especially those living in rural areas.

Reports/Research/White Papers | Center for Policy and Research | 09/26/2011

Medicare Advantage: Improving Health Care Quality - [PDF]

This analysis confirms that MA plans deliver effective and consistent care for a number of important procedures at higher rates compared to the traditional FFS program. Seniors and Medicare beneficiaries with disabilities, especially those with high-risk conditions, such as diabetes, heart disease, breast cancer, and depression, can rest assured knowing that they can rely on their MA plan to successfully provide access to care and the services they need to live better lives.

Reports/Research/White Papers | 09/19/2011

AHIP Statement on More Affordable Prescription Drug Coverage for Seniors

America’s Health Insurance Plans (AHIP) President and CEO Karen Ignagni released the following statement today in reaction to the announcement by CMS that Medicare Part D premiums for 2012 have declined slightly from 2011.

Press Releases | Strategic Communications | 08/04/2011

Medigap: What You Need To Know - [PDF]

An informative report on how private Medicare Supplement (Medigap) insurance works, who purchases it, and what it covers. Describes recent product design changes to conform with the Medicare Improvements for Patients and Providers Act of 2008 (MIPPA).

Reports/Research/White Papers | Center for Policy and Research | 07/28/2011

Small Group Health Insurance in 2010: A Comprehensive Survey of Premiums, Product Choices, and Benefits - [PDF]

In July 2010, America’s Health Insurance Plans (AHIP) conducted a comprehensive survey of member companies offering coverage in the small group health insurance market. Responses included premium and benefit data from more than 477,000 small groups (those with 50 or fewer employees), reflecting approximately 3.7 million workers and 1.3 million dependents with coverage as of January 2010.

Reports/Research/White Papers | Center for Policy and Research, Product Policy | 07/08/2011

January 2011 Census Shows 11.4 Million People Covered by Health Savings Account/High-Deductible Health Plans (HSA/HDHPs) - [PDF]

An annual census by America's Health Insurance Plans (AHIP) of U.S. health insurance carriers shows that the number of people covered by health savings account/high-deductible health plans (HSA/HDHPs) totaled 11.4 million in January 2011.

View slides for this report. 

Reports/Research/White Papers | Center for Policy and Research | 06/16/2011

January 2011 Census Shows 11.4 Million People Covered by Health Savings Account/High-Deductible Health Plans (HSA/HDHPs)(Slides) - [PDF]

An annual census by America's Health Insurance Plans (AHIP) of U.S. health insurance carriers shows that the number of people covered by health savings account/high-deductible health plans (HSA/HDHPs) totaled 11.4 million in January 2011.

View the full report. 

Reports/Research/White Papers | Center for Policy and Research | 06/16/2011

Capitol Hill Briefing on Access and Quality in Medicaid Managed Care

AHIP hosted a Capitol Hill briefing on how Medicaid health plans improve access and quality of care for beneficiaries while providing cost savings to states. The briefing featured presentations from four Medicaid health plan executives.

AHIP Coverage Blog Posts | 05/11/2011

Medicaid Health Plan Enrollment and Participation Trends, May 2011

This report by America’s Health Insurance Plans (AHIP) analyzes enrollment and participation trends in Medicaid managed care plans. Of the 50.5 million Medicaid beneficiaries nationwide, 23.9 million were enrolled in a Medicaid health plan as of June 30, 2009, an increase of 2.4 million since 2008.

Reports/Research/White Papers | Federal | 05/09/2011

AHIP Board of Directors Statement on the Value of Supplemental Health Insurance - [PDF]

America’s Health Insurance Plans (AHIP) Board of Directors issued a statement regarding the need for-- and value of-- supplemental insurance coverage.

AHIP Board of Directors Statements | 03/08/2011

USA Today: States turn to private insurance companies for managed care

Kaiser Health News/USA Today examine how states are turning to Medicaid managed care plans to provide care for long-term care patients.

News Articles | 02/21/2011

An Analysis of Health Savings Account Balances, Contributions, and Withdrawals in 2009 - [PDF]

A comprehensive study of financial activity in health savings accounts (HSAs). Data collected from three large banks contain detailed account information of more than 1.2 million HSA accounts open as of December 31, 2009.

Reports/Research/White Papers | Center for Policy and Research | 12/06/2010

Fact Check on Individual Health Insurance Coverage

This fact check from the AHIP Coverage blog compiles research on the critical role of the individual insurance market, which serves more than 14 million people. The blog post also highlights what thought leaders, think tanks and the media are saying about the importance of a personal coverage requirement.

AHIP Coverage Blog Posts | 10/12/2010

Annual Employer Health Benefits Survey

The Kaiser Family Foundation conducts this annual survey of employers and provides a detailed look at trends in employer-sponsored health coverage, including premiums, employee contributions, cost-sharing provisions, and other relevant information.

Reports/Research/White Papers | 09/02/2010

AHIP Board of Directors Statement on the Value of Dental Insurance - [PDF]

America’s Health Insurance Plans (AHIP) Board of Directors issued a statement regarding the need for-- and value of-- dental insurance.

AHIP Board of Directors Statements | 06/10/2010

AHIP Statement on H.R. 4626

Statement on H.R. 4626 from Karen Ignagni, President and CEO of America's Health Insurance Plans (AHIP).

Press Releases | Strategic Communications | 02/24/2010

AHIP Statement on the McCarran-Ferguson Act

Washington, DC – Karen Ignagni, President and CEO of America's Health Insurance Plans (AHIP), released the following statement today on proposed legislation to repeal portions of the McCarran-Ferguson Act: “The rhetoric surrounding repeal of McCarran-Ferguson does not match the reality of the situation.  Health insurance is one of the most regulated industries in America at both the federal and the state levels.

Press Releases | Strategic Communications | 02/23/2010

Individual Health Insurance 2009: A Comprehensive Survey of Premiums, Availability, and Benefits - [PDF]

The latest in a series of AHIP surveys shows that the market for individually purchased coverage is more affordable and accessible than may be widely known.

Reports/Research/White Papers | Center for Policy and Research | 10/21/2009

Medicaid Health Plans: Adding Value for Beneficiaries and States - [PDF]

This synthesis of research by America’s Health Insurance Plans (AHIP) demonstrates that Medicaid health plans provide high quality accessible care to beneficiaries and value to states.

Reports/Research/White Papers | 05/20/2009

Estimated Income Characteristics of HSA Accountholders in 2008 - [PDF]

For this follow-up study, the responding banks used a geo-coding technique to estimate the income characteristics of those HSA accountholders, which allows analysis of account balances, inflows and outflows by income range.

Reports/Research/White Papers | Center for Policy and Research | 05/13/2009

The Key Role of Insurance in Addressing America’s Long-Term Care Challenge - [PDF]

The AHIP Board of Directors released a statement on the role of long-term care insurance for an aging baby-boom population.

AHIP Board of Directors Statements | 03/09/2009

Guiding Principles for the Development of Quality Affordable Dental Coverage Based on Evidence - [PDF]

This paper presents principles as the foundation upon which to build guidelines and policies for dental coverage and makes recommendations to promote transparency and accountability.

Reports/Research/White Papers | 01/01/2008

An Employer’s Guide to Disability Income Insurance - [PDF]

An Employer’s Guide to Disability Income Insurance helps employers understand the benefits of offering disability income coverage to their employees, and introduces key concepts regarding the provisions of group disability insurance policies.


Reports/Research/White Papers | Product Policy | 03/13/2007

Innovations in Medicaid Managed Care

Health insurance plans are implementing a multitude of creative programs to improve quality and efficiency in Medicaid.

Reports/Research/White Papers | Center for Policy and Research | 03/01/2005

AHIP Report: Medicaid Managed Care Cost Savings - A Synthesis of Fourteen Studies - [PDF]

According to the Lewin Group's review of 14 studies, Medicaid managed care has saved states up to 19% compared with fee-for-service Medicaid.

Reports/Research/White Papers | Center for Policy and Research | 06/01/2004