Policy Documents

Individual Health Insurance: A Comprehensive Survey of Affordability, Access, and Benefits

Thomas F. Wildsmith, Teresa Chovan, and Hannah Yoo, Center for Policy and Research –
August 1, 2005

The authors' in this article review a survey/study and report their findings:

In the fall of 2004, America's Health Insurance Plans (AHIP) conducted a comprehensive survey of member companies doing business in the individual health insurance market.  The study shows that individually purchased major medical insurance was more affordable and accessible than may be widely known, and offered a broad array of benefits.  Most applications for coverage were approved with no restructions, and the benefits commonly purchased by consumers provided substantial financial protection.