城市研究所-COVID-19大流行-保险公司对挑战，启示和经验教训的洞察力.docxVIP

With support from the Robert With support from the Robert Wood Johnson Foundation (RWJF), the Urban Institute is undertaking a comprehensive monitoring and tracking project to examine the implementation and effects of health reform. fte project began in May 2011 and will take place over several years. fte Urban Institute will document changes to the implementation of national health reform to help states, researchers and policymakers learn from the process as it unfolds. Reports that have been prepared as part of this ongoing project can be found at and . INTRODUCTION The novel coronavirus (COVID-19) pandemic has placed enormous pressure on virtually all facets of U.S. society, including the economy, family livelihoods, the health of millions of people, and the health care system. Much attention has appropriately been placed on the efforts of health care providers to deliver care to those infected with COVID-19. However, less is known about the experiences of the health insurers who reimburse the health care providers for the care they deliver, as well as insurers’ insights into what the pandemic might mean for public and private insurance coverage, insurance premiums, and benefits going forward. We discussed issues related to the pandemic with representatives from 25 insurers from April 16 - June 9, 2020. Their impressions of the ongoing ramifications of the pandemic and their response to the crisis are summarized here*: Insurers entered the COVID-19 crisis in a strong financial position and, as a result, have been able to assist providers and consumers financially by decreasing paperwork barriers and making it easier to access care faster. While the majority of insurers expect the economic downturn and rising unemployment rates to have a significant impact on their employer business, most have not yet seen a significant drop in coverage among employer clients, especially those offering large group coverage. Insurers are most concerned for their small e