Abstract
To reduce the level of uninsurance and improve access to care, several states have established subsidized health insurance programs to help low-income, uninsured people. Many such programs require that some of the participants share in the cost of their insurance through premiums administered on a sliding scale based on income. Using data from four subsidized health insurance programs, this report looks at issues surrounding premiums in subsidized insurance programs, including the design of premium schedules. Then the premium structure and experience for the four study statesHawaii, Minnesota, Tennessee, and Washingtonare described.
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