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Avoiding Health Insurance Crowd-Out : Evidence from the Medicare as Secondary Payer Legislation
Glied, Sherry - 2010
The cost of efforts to expand health insurance coverage to the currently uninsured increases when people who would otherwise purchase private insurance obtain subsidized public coverage. Legislators are increasingly interested in mechanisms that target insurance benefits to those who need them...
Persistent link: https://www.econbiz.de/10012763632
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Adverse Selection and Switching Costs in Health Insurance Markets : When Nudging Hurts
Handel, Benjamin R. - 2011
This paper investigates consumer switching costs in the context of health insurance markets, where adverse selection is a potential concern. Though previous work has studied these phenomena in isolation, they interact in a way that directly impacts market outcomes and consumer welfare. Our...
Persistent link: https://www.econbiz.de/10013120191
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Premium Subsidies, the Mandate, and Medicaid Expansion : Coverage Effects of the Affordable Care Act
Frean, Molly - 2016
Using premium subsidies for private coverage, an individual mandate, and Medicaid expansion, the Affordable Care Act … responsive to price subsidies, with larger gains in state-based insurance exchanges than the federal exchange. The individual … essentially no crowd-out of private insurance. Overall, exchange premium subsidies produced 40% of the coverage gains explained by …
Persistent link: https://www.econbiz.de/10012993190
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Subsidizing Health Insurance for Low-Income Adults : Evidence from Massachusetts
Finkelstein, Amy - 2017
subsidy schedule to estimate willingness to pay and costs of insurance among low-income adults. As subsidies decline … expected costs. As a result, we estimate that take-up will be highly incomplete even with generous subsidies: if enrollee …
Persistent link: https://www.econbiz.de/10012949934
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Medicaid Crowd-Out of Private Long-Term Care Insurance Demand : Evidence from the Health and Retirement Survey
Brown, Jeffrey R. - 2010
This paper provides empirical evidence of Medicaid crowd out of demand for private long-term care insurance. Using data on the near- and young-elderly in the Health and Retirement Survey, our central estimate suggests that a $10,000 decrease in the level of assets an individual can keep while...
Persistent link: https://www.econbiz.de/10012760636
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Cost of Service Regulation in U.S. Health Care : Minimum Medical Loss Ratios
Cicala, Steve - 2017
service regulation. Using variation created by the rule's introduction as a natural experiment, we find claims costs rose …
Persistent link: https://www.econbiz.de/10012957378
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Mandates and the Affordability of Health Care
Glied, Sherry - 2009
This paper examines the economic rationale of affordability exemptions in the context of a health insurance mandate. On its face, an affordability exemption makes little sense-- it exempts people from purchasing a good that policymakers believe benefits them. I provide an economic definition of...
Persistent link: https://www.econbiz.de/10012765374
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Are Health Insurance Markets Competitive?
Dafny, Leemore S. - 2009
Although the vast majority of Americans have private health insurance, researchers focus almost exclusively on public provision. Data on the private insurance sector is extremely difficult to obtain because health insurance contracts are complex, renegotiated annually, and not subject to...
Persistent link: https://www.econbiz.de/10012765582
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Multimarket Contact in Health Insurance : Evidence from Medicare Advantage
Lin, Haizhen - 2018
Many industries, including health insurance, are characterized by a handful of large firms competing against each other in multiple markets. Such overlap across markets, defined as multimarket contact (MMC), may facilitate tacit collusion and thus reduce the intensity of competition. We examine...
Persistent link: https://www.econbiz.de/10012922214
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Measuring Health Insurance Benefits : The Case of People with Disabilities
Burkhauser, Richard V. - 2015
Since 2012 the Congressional Budget Office has included an estimate of the market value of government-provided health insurance coverage in its measures of household income. We follow this practice for both public and private health insurance to capture the impact of greater access to...
Persistent link: https://www.econbiz.de/10013013919