State Health Insurance Regulations and the Price of High-Deductible Policies
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Amanda E. Kowalski
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.
©2011 Walter de Gruyter GmbH & Co. KG, Berlin/Boston
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- Estimating the Impact of Medical Innovation: A Case Study of HIV Antiretroviral Treatments
- Hospital Quality and Selective Contracting: Evidence from Kidney Transplantation
- Large Health Savings Accounts: A Step toward Tax Neutrality for Health Care
- Consumer-Directed Health Plans and Health Savings Accounts: Have They Worked for Small Business?
- Labor Market Consequences of State Mental Health Parity Mandates
- The Reality of SCHIP and Uninsureds: Do SCHIP Mandatory Wait Periods Increase the Uninsured Rolls?
- Dynamic Cost-Effectiveness: A More Efficient Reimbursement Criterion
- State Health Insurance Regulations and the Price of High-Deductible Policies
- The Utilization of Medicines beyond Patent Expiration
- Explanations for Persistent Nursing Shortages
- Quality Effect of Early Discharge of Maternity Patients: Does Hospital Specialization Matter?
Articles in the same Issue
- Article
- Estimating the Impact of Medical Innovation: A Case Study of HIV Antiretroviral Treatments
- Hospital Quality and Selective Contracting: Evidence from Kidney Transplantation
- Large Health Savings Accounts: A Step toward Tax Neutrality for Health Care
- Consumer-Directed Health Plans and Health Savings Accounts: Have They Worked for Small Business?
- Labor Market Consequences of State Mental Health Parity Mandates
- The Reality of SCHIP and Uninsureds: Do SCHIP Mandatory Wait Periods Increase the Uninsured Rolls?
- Dynamic Cost-Effectiveness: A More Efficient Reimbursement Criterion
- State Health Insurance Regulations and the Price of High-Deductible Policies
- The Utilization of Medicines beyond Patent Expiration
- Explanations for Persistent Nursing Shortages
- Quality Effect of Early Discharge of Maternity Patients: Does Hospital Specialization Matter?
