Effects of Disability-Based Underwriting Prohibitions on the Labor Market
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Ping Wang
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.
©2011 Walter de Gruyter GmbH & Co. KG, Berlin/Boston
Articles in the same Issue
- Featured Article
- Comparison between Financial Theory and Cooperative Game Theory in Risk Capital Allocation
- The Dynamic Interactions between Risk Management, Capital Management, and Financial Management in the U.S. Property/Liability Insurance Industry
- The Effects of Economies of Scale and Diversification on the Cost Structure of the Malaysian Non-life Insurance Industry
- Effects of Disability-Based Underwriting Prohibitions on the Labor Market
- The Cost of Delay in a Mortgage/Credit Loan Portfolio
- Commentary Piece
- Some Comments on Catastrophe Risk Management and Insurance
Articles in the same Issue
- Featured Article
- Comparison between Financial Theory and Cooperative Game Theory in Risk Capital Allocation
- The Dynamic Interactions between Risk Management, Capital Management, and Financial Management in the U.S. Property/Liability Insurance Industry
- The Effects of Economies of Scale and Diversification on the Cost Structure of the Malaysian Non-life Insurance Industry
- Effects of Disability-Based Underwriting Prohibitions on the Labor Market
- The Cost of Delay in a Mortgage/Credit Loan Portfolio
- Commentary Piece
- Some Comments on Catastrophe Risk Management and Insurance
