IDEAS home Printed from https://ideas.repec.org/a/bpj/fhecpo/v5y2002n5.html
   My bibliography  Save this article

Tax Credits, the Distribution of Subsidized Health Insurance Premiums, and the Uninsured

Author

Listed:
  • Pauly Mark V.

    (Department of Health Care Systems, University of Pennsylvania)

  • Herring Bradley

    (Institution for Social and Policy Studies, Yale University)

  • Song David

    (Department of Health Care Systems, University of Pennsylvania)

Abstract

This paper investigates the impact of a$1,000 refundable tax credit for self-only coverage on net premiums and insurance purchases for a representative sample of potential buyers in the individual insurance market. Two methods are used to estimate the distribution of premiums: predicted premiums based on a sample of actual purchasers, and premium quotations drawn from an e-insurance website. In most of the simulations, the net premiums for half or more of the prospective buyers are reduced to zero or low levels. The number of uninsured is reduced by 21 to 85 percent, depending on the size of the deductible in the benchmark plan. However, the results are sensitive to assumptions about insurer underwriting practices.

Suggested Citation

  • Pauly Mark V. & Herring Bradley & Song David, 2002. "Tax Credits, the Distribution of Subsidized Health Insurance Premiums, and the Uninsured," Forum for Health Economics & Policy, De Gruyter, vol. 5(1), pages 1-22, January.
    • Handle: RePEc:bpj:fhecpo:v:5:y:2002:n:5
    DOI: 10.2202/1558-9544.1030
    as

    Download full text from publisher

    File URL: https://doi.org/10.2202/1558-9544.1030
    Download Restriction: For access to full text, subscription to the journal or payment for the individual article is required.
    File URL: https://libkey.io/10.2202/1558-9544.1030?utm_source=ideas
    LibKey link: if access is restricted and if your library uses this service, LibKey will redirect you to where you can use your library subscription to access this item
    ---><---

    As the access to this document is restricted, you may want to look for a different version below or search for a different version of it.

    Other versions of this item:

    Citations

    Citations are extracted by the CitEc Project, subscribe to its RSS feed for this item.
    as


    Cited by:

    1. David W. Emmons & Eva Madly & Stephen A. Woodbury, 2005. "Refundable Tax Credits for Health Insurance: The Sensitivity of Simulated Impacts to Assumed Behavior," Upjohn Working Papers 05-119, W.E. Upjohn Institute for Employment Research.
    2. Mark V. Pauly & Bradley Herring & David Song, 2002. "Health Insurance on the Internet and the Economics of Search," NBER Working Papers 9299, National Bureau of Economic Research, Inc.
    3. Merve Cebi & Stephen A. Woodbury, 2014. "Health Insurance Tax Credits, The Earned Income Tax Credit, And Health Insurance Coverage Of Single Mothers," Health Economics, John Wiley & Sons, Ltd., vol. 23(5), pages 501-515, May.

    More about this item

    JEL classification:

    • I11 - Health, Education, and Welfare - - Health - - - Analysis of Health Care Markets
    • I18 - Health, Education, and Welfare - - Health - - - Government Policy; Regulation; Public Health

    Statistics

    Access and download statistics

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:bpj:fhecpo:v:5:y:2002:n:5. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    We have no bibliographic references for this item. You can help adding them by using this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: Peter Golla (email available below). General contact details of provider: https://www.degruyter.com .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.