Achieving Quality, Affordable Health Insurance for All New Yorkers: An Analysis of Reform Options

By: Urban Institute
Authors: Linda J. Blumberg, A. Bowen Garrett et al.
Published: July 24, 2009
Financed by: New York State Department of Health and the New York State Department of Insurance
Legislation analyzed: none, plan analyzed developed by the authors.


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Summary

The state’s entire health care system would be funded through government spending. Total government health care spending would increase by $57.7 billion. Employer spending on health care would be eliminated, saving employers $33.3 billion in
aggregate. Individuals would save $22.0 billion in total, with $11.8 billion in savings accruing to those who spend the most on health care today, those over 400 percent of the FPL.

Public Health Insurance for All would result in a significantly smaller addition to health system spending than Individual Mandate approaches that achieve coverage for all largely through a subsidized private insurance market.

The aggregate change in health system spending under this reform is an additional $2.4 billion dollars. Savings as a consequence of the lower payment rates to providers and lower administrative costs that would be achieved through a fully government sponsored program are what permit a substantial increase in coverage with a smaller net increase in overall spending.