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Effects of Disability-Based Underwriting Prohibitions on the Labor Market

Listed author(s):
  • Wang Ping

    (St. John’s University)

Registered author(s):

    In the U.S., a majority of the non-elderly population obtains health insurance coverage through an employer. State governments enacted regulations that prohibit the use of a variety of underwriting criteria, ostensibly to make insurance more affordable to those who would have otherwise been denied coverage or charged higher rates. This study tests whether regulations that restrict the use of disability status as an underwriting criterion for small businesses have unintended consequences in the labor market. The findings suggest that in states where disability is prohibited as an underwriting criterion, both disabled and able-bodied workers of small firms earn more than their counterparts not subject to such restrictions, albeit due to different causes.

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    File URL: https://www.degruyter.com/view/j/apjri.2009.4.1/apjri.2009.4.1.1049/apjri.2009.4.1.1049.xml?format=INT
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    Article provided by De Gruyter in its journal Asia-Pacific Journal of Risk and Insurance.

    Volume (Year): 4 (2009)
    Issue (Month): 1 (November)
    Pages: 1-19

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    Handle: RePEc:bpj:apjrin:v:4:y:2009:i:1:n:4
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    1. David M. Cutler & Brigitte C. Madrian, 1998. "Labor Market Responses to Rising Health Insurance Costs: Evidence on Hours Worked," RAND Journal of Economics, The RAND Corporation, vol. 29(3), pages 509-530, Autumn.
    2. Alan C. Monheit & Jessica Primoff Vistnes, 1999. "Health Insurance Availability at the Workplace: How Important are Worker Preferences?," Journal of Human Resources, University of Wisconsin Press, vol. 34(4), pages 770-785.
    3. Frank A. Scott & Mark C. Berger & John E. Garen, 1995. "Do Health Insurance and Pension Costs Reduce the Job Opportunities of Older Workers?," ILR Review, Cornell University, ILR School, vol. 48(4), pages 775-791, July.
    4. Jonathan Gruber & Alan B. Krueger, 1991. "The Incidence of Mandated Employer-Provided Insurance: Lessons from Workers' Compensation Insurance," NBER Chapters,in: Tax Policy and the Economy, Volume 5, pages 111-144 National Bureau of Economic Research, Inc.
    5. David M. Cutler, 1994. "A Guide to Health Care Reform," Journal of Economic Perspectives, American Economic Association, vol. 8(3), pages 13-29, Summer.
    6. Royalty, Anne Beeson, 1998. "Job-to-Job and Job-to-Nonemployment Turnover by Gender and Education Level," Journal of Labor Economics, University of Chicago Press, vol. 16(2), pages 392-443, April.
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