A Health Insurance Model for Analyzing Legislative Policy Options.

Intro -- A HEALTH INSURANCE MODELFOR ANALYZING LEGISLATIVEPOLICY OPTIONS -- CONTENTS -- PREFACE -- INTRODUCTION AND SUMMARY -- CONSTRUCTION OF THE BASE CASE -- HEALTH INSURANCE COVERAGE -- OFFERS OF EMPLOYER-SPONSOREDINSURANCE -- CREATION OF SYNTHETIC FIRMS -- HEALTH INSURANCE PREMIUMS -- PREMIUMS FOR EMPLOYER-SPONSORED INSURANCE -- INDIVIDUAL-LEVEL EXPECTED HEALTH SPENDING -- FIRM-LEVEL EXPECTED HEALTH SPENDING -- LOADING COSTS -- STATE REGULATIONS -- RELATIVE PLAN VALUE -- EMPLOYER AND EMPLOYEE CONTRIBUTIONS -- Nongroup Premiums -- Relative Plan Value and Base Premium -- Effects of State Regulation -- Adjustments to Premiums for Tax Benefits -- CALIBRATION -- BEHAVIORAL RESPONSES -- CHANGES IN RELATIVE PLAN VALUE -- EMPLOYER BEHAVIOR -- Employer Decisions to Offer Insurance -- Changes in Employer Contributions -- INDIVIDUAL COVERAGE RESPONSES -- Uninsured People Who Take Up Nongroup Coverage -- Uninsured People Who Take Up ESI -- ESI-Insured People Who Become Uninsured -- People Who Switch Between ESI and Nongroup Coverage -- Private-Coverage Take-Up among Those Who Are Eligible foror Enrolled in Medicaid or SCHIP -- APPLICATIONS OF THE MODEL -- APPENDIX A: INTERPRETING THEELASTICITY OF DEMAND FOR HEALTHINSURANCE -- APPENDIX B: ESTIMATING THE EFFECTSOF AN OPTION TO PROVIDE LOW-INCOMEPEOPLE WITH A SUBSIDY TO PURCHASEHEALTH INSURANCE -- APPENDIX C: ESTIMATING THE EFFECTSOF THE ADMINISTRATION'S 2008 HEALTHINSURANCE BUDGET PROPOSAL -- SELECTED BIBLIOGRAPHY -- INDEX.