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The Demand for Health Insurance in the Group Setting: Can You Always Get What You Want?

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  • Mark V. Pauly
  • Bradley Herring

Abstract

To what extent do health benefits obtained in the employment‐based setting reflect individual preferences? We examine this question by comparing the relationship between person‐level characteristics and the plans they obtain in a group setting to the relationship observed in the individual insurance market, using data from the 1996‐1997 and 1998‐1999 Community Tracking Study's Household Surveys. We also examine the effect of unions on group choice. Our structural models of the demand for insurance indicate that plans obtained in the group setting often reflect underlying individual preferences for insurance, but we consistently observe significantly different effects of ethnicity and unionization.

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  • Mark V. Pauly & Bradley Herring, 2007. "The Demand for Health Insurance in the Group Setting: Can You Always Get What You Want?," Journal of Risk & Insurance, The American Risk and Insurance Association, vol. 74(1), pages 115-140, March.
    • Handle: RePEc:bla:jrinsu:v:74:y:2007:i:1:p:115-140
    DOI: 10.1111/j.1539-6975.2007.00204.x
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    Cited by:

    1. Rachel Kreier & Bhaswati Sengupta, 2015. "Income, Health, and the Value of Preserving Options," Atlantic Economic Journal, Springer;International Atlantic Economic Society, vol. 43(4), pages 431-448, December.
    2. Sherry Glied, 2003. "Health Insurance Expansions and the Content of Coverage: Is Something Better Than Nothing?," NBER Chapters, in: Frontiers in Health Policy Research, Volume 6, pages 55-86, National Bureau of Economic Research, Inc.
    3. Coleman Drake & Lucas Higuera & Fernando Alarid-Escudero & Roger Feldman, 2017. "A Kinked Health Insurance Market: Employer-Sponsored Insurance under the Cadillac Tax," American Journal of Health Economics, MIT Press, vol. 3(4), pages 455-476, Fall.
    4. Nyman, John A. & Koc, Cagatay & Dowd, Bryan E. & McCreedy, Ellen & Trenz, Helen Markelova, 2018. "Decomposition of moral hazard," Journal of Health Economics, Elsevier, vol. 57(C), pages 168-178.
    5. Yang Ann Shawing, 2015. "Measuring Self-Service Technology Latent Difficulties: Insurance Decisions on Utilitarian and Hedonic Influences," Asia-Pacific Journal of Risk and Insurance, De Gruyter, vol. 9(1), pages 1-33, January.

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