Premium assistance in Medicaid and SCHIP: ace in the hole or house of cards?

Cynthia Shirk, Jennifer Ryan
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Abstract

This issue brief explores the use of premium assistance in publicly financed health insurance coverage programs. In the context of Medicaid and the State Children's Health Insurance Program (SCHIP), premium assistance entails using federal and state funds to subsidize the premiums for the purchase of private insurance coverage for eligible individuals. This paper considers the evolution of premium assistance and some of the statutory and administrative limitations, as well as private market factors, that have prevented widespread enrollment in Medicaid or SCHIP premium assistance programs. Finally, this issue brief offers some ideas for potential legislative and/or programmatic changes that could facilitate the use of premium assistance as a mechanism for health coverage expansion.

医疗补助和SCHIP的额外援助:王牌还是纸牌屋?
本期简报探讨了在公共资助的健康保险覆盖计划中保费援助的使用。在医疗补助计划和州儿童健康保险计划的背景下,保费援助需要使用联邦和州的资金来补贴为符合条件的个人购买私人保险的保费。本文考虑了保费援助的演变和一些法定和行政限制,以及私人市场因素,这些因素阻碍了医疗补助或SCHIP保费援助计划的广泛注册。最后,本问题简报提出了一些关于可能的立法和(或)方案变革的想法,这些变革可以促进将保费援助作为扩大健康覆盖范围的一种机制。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
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