“This chapter presents the Committee’s review of studies that address the impact of health insurance on various health-related outcomes. It examines research on the relationship between health insurance (or lack of insurance), use of medical care and health outcomes for specific conditions and types of services, and with overall health status and mortality. There is a consistent, positive relationship between health insurance coverage and health-related outcomes across a body of studies that use a variety of data sources and different analytic approaches. The best evidence suggests that health insurance is associated with more appropriate use of health care services and better health outcomes for adults.”

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Choosing a health insurance plan can be complicated. Knowing just a few things before you compare plans can make it simpler.

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“In the first quarter of 2023, household debt in America rose to $17.05 trillion, representing a precipitous increase over the last decade. In part, rising debt can be attributed to cost growth outpacing income growth which requires many Americans to borrow more to pay for housing, higher education and consumer goods. For example, one study found that college costs have increased by almost 170% since 1980, while the average earnings for young adults (aged 22-27) has only increased by 19%. Middle class Americans are shouldering much of this debt, and many are living paycheck to paycheck.”

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Patients and clinicians suffer when insurers disregard medical counsel and impose inefficient administrative policies.