Open Access to the Federal Employees Health Benefits Program (FEHBP)

2009 ◽  
Author(s):  
Adam Atherly ◽  
Curtis Florence ◽  
Kenneth E. Thorpe

This paper examines factors associated with switching health plans in the Federal Employees Health Benefits Program. Switching plans is not uncommon, with 12% of members switching plans annually. Individuals switch out of plans with premium increases and benefit decreases relative to other plans in the market. Switching is negatively associated with age due to increasing switching costs associated with age rather than decreasing premium sensitivity. Individuals in preferred provider organizations are less likely to switch, but are more responsive to premium increases than those in the managed care sector. Those who do switch plans are likely to switch to a different plan in the same sector.


Author(s):  
Beth C. Fuchs

The Federal Employees Health Benefits Program (FEHBP) could be combined with health insurance tax credits to extend coverage to the uninsured. An extended FEHBP, or “E-FEHBP,” would be open to all individuals who were not covered through work or public programs and who also were eligible for the tax credits on the basis of income. E-FEHBP also would be open to employees of very small firms, regardless of their eligibility for tax credits. Most plans available to FEHBP participants would be required to offer enrollment to E-FEHBP participants, although premiums would be rated separately. High-risk individuals would be diverted to a separate high-risk pool, the cost of which would be subsidized by the federal government. E-FEHBP would be administered by the states, or if a state declined, by an entity that contracted with the Office of Personnel Management. While E-FEHBP would provide group insurance to people who otherwise could not get it, premiums could exceed the tax-credit amount and some people still might find the coverage unaffordable.


2006 ◽  
Vol 41 (5) ◽  
pp. 1741-1761 ◽  
Author(s):  
Curtis S. Florence ◽  
Adam Atherly ◽  
Kenneth E. Thorpe

2006 ◽  
Vol 84 (1) ◽  
pp. 201-218 ◽  
Author(s):  
M. SUSAN RIDGELY ◽  
M. AUDREY BURNAM ◽  
COLLEEN L. BARRY ◽  
HOWARD H. GOLDMAN ◽  
KEVIN D. HENNESSY

1985 ◽  
Vol 10 (1) ◽  
pp. 119-139 ◽  
Author(s):  
James A. Schuttinga ◽  
Marilyn Falik ◽  
Bruce Steinwald

2005 ◽  
Vol 21 (2) ◽  
pp. 105-113
Author(s):  
Keith J. Mueller ◽  
Timothy D. McBride ◽  
Courtney Andrews ◽  
Roslyn Fraser ◽  
Liyan Xu

Sign in / Sign up

Export Citation Format

Share Document