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Increasing Health Insurance Coverage for High-Cost Older Adults in the 50-to-64 Age Group In Brief

Adults ages 50-64 may have increased need for health care, and decreased access to coverage. So, policies that would improve their access to affordable coverage are important.  In recent years, a range of policy ideas to address cost and access barriers in the private market has been proposed.  Reinsurance, buy-ins to public programs, assigning risk to private insurers, federal funding of state high-risk pools, COBRA expansion, and new purchasing pools are among the ideas discussed in policy circles and proposed in states and Congress.  In this PPI research report, Linda Blumberg and Tim Waidmann of the Urban Institute explore what advantages and disadvantages these ideas may have for improving the situation of high-cost older adults. (27 pages)