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• Article | Health Affairs

  Decreases In Readmissions Credited To Medicare's Program To Reduce Hospital Readmissions Have Been Overstated

  Christopher Ody, Lucy Msall, Leemore S. Dafny, David Grabowski and David Cutler

  Citation:

  Ody, Christopher, Lucy Msall, Leemore S. Dafny, David Grabowski, and David Cutler. "Decreases In Readmissions Credited To Medicare's Program To Reduce Hospital Readmissions Have Been Overstated." Health Affairs 38, no. 1 (January 2019).  View Details

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• Case | HBS Case Collection | August 2018

  Oscar Health Insurance: What Lies Ahead for a Unicorn Insurance Entrant?

  Leemore Dafny and Victoria Marone

  Keywords: Oscar Insurance; fintech; US health care; Affordable Care Act (ACA); health insurance marketplaces; insurer competition; provider consolidation; Market entry; Health Care and Treatment; Entrepreneurship; Market Entry and Exit; Negotiation; Growth Management; Health Industry; Insurance Industry; New York (state, US); New Jersey;

  Citation:

  Dafny, Leemore, and Victoria Marone. "Oscar Health Insurance: What Lies Ahead for a Unicorn Insurance Entrant?" Harvard Business School Case 319-025, August 2018.  View Details

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• Article | Health Affairs

  Narrow Networks on the Health Insurance Marketplaces: Prevalence, Pricing, and the Cost of Network Breadth

  Leemore S. Dafny, Igal Hendel, Victoria Marone and Christopher Ody

  Anecdotal reports and systematic research highlight the prevalence of narrow-network plans on the Affordable Care Act’s health insurance Marketplaces. At the same time, Marketplace premiums in the period 2014–2016 were much lower than projected by the Congressional Budget Office in 2009. Using detailed data on the breadth of both hospital and physician networks, we studied the prevalence of narrow networks and quantified the association between network breadth and premiums. Controlling for many potentially confounding factors, we found that a plan with narrow physician and hospital networks was 16% cheaper than a plan with broad networks for both, and that narrowing the breadth of just one type of network was associated with a 6%–9% decrease in premiums. Narrow-network plans also have a sizable impact on federal outlays, as they depress the premium of the second-lowest-price silver plan, to which subsidy amounts are linked. Holding all else constant, we estimate that federal subsidies would have been 10.8% higher in 2014 had Marketplaces required all plans to offer broad provider networks. Narrow networks are a promising source of potential savings for other segments of the commercial insurance market.

  Keywords: Health Care and Treatment; Insurance; Cost; United States;

  Citation:

  Dafny, Leemore S., Igal Hendel, Victoria Marone, and Christopher Ody. "Narrow Networks on the Health Insurance Marketplaces: Prevalence, Pricing, and the Cost of Network Breadth." Health Affairs 36, no. 9 (September 2017).  View Details

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