Insurance

Latest KFF Health News Stories

Fight Erupts Over Health Insurance Rates For Businesses With More Women

KFF Health News Original

Advocates for women are fighting to end gender rating in larger businesses as health overhaul legislation moves through Congress. But insurers say it’s necessary to use gender as a means of setting rates for this market.

Democrats Push To End Insurers’ Antitrust Exemption

KFF Health News Original

The relationship between the Democrats and health insurers has turned ugly since the industry began to spurn the health care makeover it once supported. Now, some members of Congress Democrats want to strip the industry’s exemption from federal antitrust laws.

Buying Insurance On The Individual Market

KFF Health News Original

Freelance writer Cindy Richards buys insurance on the ‘individual market’ – from a broker – to cover herself and her son and daughter. Her husband had to buy a policy separately. Between them, they pay $500 a month in premium costs and have a yearly deductible of over $10,000. She believes it’s “too difficult” to get health insurance in America.

For One Senior, Medicaid Provides Model Care

KFF Health News Original

When Gracie Scarrow, 94, was diagnosed with congestive heart failure she didn’t have the money to pay for the care she needed. With her daughter Lela’s help, Gracie turned to Medicaid. The program pays for her nursing home, and they couldn’t be happier with the care.

To Be Effective, Exchanges Need Bargaining Power

KFF Health News Original

Exchange design doesn’t get the attention of controversies like the public option, abortion, or supposed death panels. In the long run, though, it could be far more decisive in whether reform works.

Uninsured By Choice: A ‘Calculated Risk’

KFF Health News Original

Lyn Robinson owns Zenith Holland Gardens, a wholesale plant nursery. She chooses not to buy insurance and says she likes deciding where and when to spend her medical dollars. Part of our series “Are You Covered?” co-produced with NPR.

Employer Provided Private Insurance Video: Dave Koenig

KFF Health News Original

Dave Koenig gets private insurance through his employer and couldn’t be happier. As a conservative, he thinks private health care is the way to go, but he supports some changes to the insurance industry to protect patients from losing their coverage.

Holding Onto Health Insurance That Works

KFF Health News Original

For some Americans, insurance is what it’s supposed to be: coverage when you need it. Dave Koenig, 49, has a job with good benefits. Still, he thinks some aspects of the insurance industry should be changed to protect patients from losing coverage. Employer-Based Insurance Explained | Video Profile

The ‘Underinsurance’ Problem Explained

KFF Health News Original

At least 25 million Americans are underinsured – their health benefits don’t adequately cover their health costs. The major proposals being debated in Congress would require insurers to provide a minimum set of benefits, which would take care of most patients’ needs.

Not Enough Insurance And Swimming In Medical Bills

KFF Health News Original

Between the two of them, Martha Martin and her husband Jim work five part-time jobs, but still can’t afford health insurance. Last year, the Martins spent 45 percent of their $44,500 income on health insurance premiums and medical bills. Part of our series “Are You Covered?” co-produced with NPR.