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State Health Insurance Regulations and the Price of High-Deductible Policies

Author

Listed:
  • Kowalski Amanda E.

    (Massachusetts Institute of Technology)

  • Congdon William J.

    (Brookings Institution)

  • Showalter Mark H.

    (Brigham Young University, Utah)

Abstract

This study examines the impact of state health insurance regulations on the price of high-deductible family and individual polices in the nongroup market. We use a unique and rich data set on actual insurance policies sold through a large Internet health insurance distributor to examine the impact of various regulations on policy prices, controlling for policy characteristics, demographic characteristics of the purchasers, and state-level demographics. We also use data from a single major insurance firm that provided offer prices for a family policy from a set of randomly selected zip codes. Both datasets suggest a strong statistical relationship between regulation and insurance prices.

Suggested Citation

  • Kowalski Amanda E. & Congdon William J. & Showalter Mark H., 2008. "State Health Insurance Regulations and the Price of High-Deductible Policies," Forum for Health Economics & Policy, De Gruyter, vol. 11(2), pages 1-26, November.
    • Handle: RePEc:bpj:fhecpo:v:11:y:2008:i:2:n:8
    DOI: 10.2202/1558-9544.1129
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    References listed on IDEAS

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    1. Gruber, Jonathan, 1994. "State-mandated benefits and employer-provided health insurance," Journal of Public Economics, Elsevier, vol. 55(3), pages 433-464, November.
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    Cited by:

    1. John F. Cogan & R. Glenn Hubbard & Daniel P. Kessler, 2008. "The Effect of Medicare Coverage for the Disabled on the Market for Private Insurance," NBER Working Papers 14309, National Bureau of Economic Research, Inc.
    2. Scott E. Harrington, 2010. "The Health Insurance Reform Debate," Journal of Risk & Insurance, The American Risk and Insurance Association, vol. 77(1), pages 5-38, March.
    3. James Bailey & Douglas Webber, 2018. "Health Insurance Benefit Mandates and Firm Size Distribution," Journal of Risk & Insurance, The American Risk and Insurance Association, vol. 85(2), pages 577-595, June.
    4. Keith Marzilli Ericson & Philipp Kircher & Johannes Spinnewijn & Amanda Starc, 2021. "Inferring Risk Perceptions and Preferences Using Choice from Insurance Menus: Theory and Evidence," The Economic Journal, Royal Economic Society, vol. 131(634), pages 713-744.
    5. Joanna N. Lahey, 2012. "The efficiency of a group‐specific mandated benefit revisited: The effect of infertility mandates," Journal of Policy Analysis and Management, John Wiley & Sons, Ltd., vol. 31(1), pages 63-92, December.
    6. Amanda Kowalski, 2014. "The Early Impact of the Affordable Care Act, State by State," Brookings Papers on Economic Activity, Economic Studies Program, The Brookings Institution, vol. 45(2 (Fall)), pages 277-355.
    7. Martha Henn McCormick, 2008. "Selected Research on Insurance Regulatory Reform: A Descriptive Bibliography," NFI Reports 2008-NFI-02, Indiana State University, Scott College of Business, Networks Financial Institute, revised Feb 2009.
    8. Smith Trenton G. & Stoddard Christiana & Barnes Michael G, 2009. "Why the Poor Get Fat: Weight Gain and Economic Insecurity," Forum for Health Economics & Policy, De Gruyter, vol. 12(2), pages 1-31, June.
    9. James Bailey, 2014. "Who pays the high health costs of older workers? Evidence from prostate cancer screening mandates," Applied Economics, Taylor & Francis Journals, vol. 46(32), pages 3931-3941, November.
    10. Bailey, James, 2013. "Who pays for obesity? Evidence from health insurance benefit mandates," Economics Letters, Elsevier, vol. 121(2), pages 287-289.
    11. Neale Mahoney, 2012. "Bankruptcy as Implicit Health Insurance," NBER Working Papers 18105, National Bureau of Economic Research, Inc.
    12. Jean Marie Abraham & Thomas DeLeire & Annne Beeson Royalty, 2007. "Health Insurance, Pensions, and Paid Leave: Access to Health Insurance at Small Firms in a Broader Benefit Context: Working Paper 2007-08," Working Papers 18725, Congressional Budget Office.
    13. Wendy Xu & Bryan Dowd & Jean Abraham, 2016. "Lessons from state mandates of preventive cancer screenings," The European Journal of Health Economics, Springer;Deutsche Gesellschaft für Gesundheitsökonomie (DGGÖ), vol. 17(2), pages 203-215, March.
    14. Lee Mobley & Tzy-Mey Kuo & Jeffrey Traczynski & Victoria Udalova & HE Frech, 2014. "Macro-level factors impacting geographic disparities in cancer screening," Health Economics Review, Springer, vol. 4(1), pages 1-15, December.
    15. James Bailey & Nathan Blascak, 2016. "The effect of state health insurance benefit mandates on premiums and employee contributions," Applied Economics Letters, Taylor & Francis Journals, vol. 23(14), pages 1042-1046, September.

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