Fundamentals Briefing

Health Policy Essentials: The Fundamentals of Private Health Insurance
February 25, 2011

Manager

Kathryn Linehan

Summary

Private health insurance is the most common source of health care coverage for non-elderly Americans. According to the U.S. Census Bureau, 55.8 percent of all Americans had employer-sponsored insurance and 8.9 percent purchased insurance on the individual market in 2009. This session reviewed private insurance markets, product types and characteristics, and regulations that govern private insurance. It also provided an overview of provisions in the Patient Protection and Affordable Care Act of 2010 (PPACA) that affect private insurance, consumers with private insurance, and employers.

Speakers

Bernadette Fernandez, Specialist in Health Care Financing, Domestic Social Policy Division, Congressional Research Service, and Hinda Chaikind, Specialist in Health Care Financing, Domestic Social Policy Division, Congressional Research Service

Slides from the presentations by Ms. Fernandez and Ms. Chaikind are available for download.

Related Materials

For more information on health reform-specific issues, see "Issues in Health Insurance Reform: Underwriting, Rating, and Regulation in the Individual Market" (Small-Group Session, December 3, 2008), "Issues in Health Insurance Reform: The Nuts and Bolts of Rating Rules in the Individual Insurance Market" (Small-Group Session, February 19, 2009), "Issues in Health Insurance Reform: Actuarial Equivalence" (April 7, 2009), and other meetings in our Health Reform series.

In 2015, a new version of the Forum's Health Policy Essentials series was conducted; please see its briefing book here.

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