Building blocks for reform: Achieving universal coverage with private and public group health insurance

Cathy Schoen, Karen Davis, Sara R. Collins

Research output: Contribution to journalReview articlepeer-review

Abstract

This paper presents a framework for universal health insurance that builds on the current U.S. mixed private-public system by expanding group coverage through private markets and publicly sponsored insurance. This Building Blocks approach includes a new national insurance "connector" that offers small businesses and individuals a structured choice of a Medicare-like public option and private plans. Other features include an individual mandate, required employer contributions, Medicaid/State Children's Health Insurance Program (SCHIP) expansion, and tax credits to assure affordability. The paper estimates coverage and costs, and assesses the approach. Our findings indicate that the framework could reach near-universal coverage with little net increase in national health spending.

Original languageEnglish (US)
Pages (from-to)646-657
Number of pages12
JournalHealth Affairs
Volume27
Issue number3
DOIs
StatePublished - May 1 2008
Externally publishedYes

ASJC Scopus subject areas

  • Health Policy

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