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Health Policy Report
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Volume 347:956-962 September 19, 2002 Number 12

Changing Health Insurance Trends
John K. Iglehart

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 by Galvin, R.
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With health care expenditures growing far more rapidly than the economy, employers and the health insurers whose plans employers purchase are implementing new ways to reconcile the strong demand for medical services with the means to pay for them. The changes fall short of a grand strategy, but they do underscore the emergence of a set of beliefs that will influence the shape of private insurance for the foreseeable future. Their centerpiece is a conviction that individual consumers of health care should assume greater financial responsibility for the decisions they make when selecting insurance benefits and seeking medical treatment. Central . . . [Full Text of this Article]

The Status of Insurance Coverage

Employers' Concerns about Health Care Spending

The Return of Cost Sharing

Tiered Benefits

In Search of a New Balance between Employers and Employees

Conclusions


Related Letters:

Changing Health Insurance Trends
Legorreta A., Lyons D. C., Galvin R. S., Milstein A. M., Iglehart J. K.
Extract | Full Text | PDF  
N Engl J Med 2003; 348:365-367, Jan 23, 2003. Correspondence

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