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Non-Employment and Health Insurance Coverage
Gruber, Jonathan - 1995
Low rates of health insurance coverage among the non-employed have motivated consideration of policies to subsidize the purchase of insurance for those who are without a job. But there is little evidence on the extent to which coverage differentials between the employed and the non-employed...
Persistent link: https://www.econbiz.de/10012473649
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Impact of Premium Subsidies on the Take-up of Health Insurance : Evidence from the 2009 American Recovery and Reinvestment Act (ARRA)
Moriya, Asako S. - 2014
We study the coverage impacts of a 65-percent health insurance premium subsidy which targeted employer-insured workers … American Recovery and Reinvestment Act (ARRA) COBRA subsidy and contributes to a better understanding of consumer responses to … the subsidy is associated with a substantial increase in own-name employer coverage among the targeted group. We estimate …
Persistent link: https://www.econbiz.de/10012458469
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Market Design in Regulated Health Insurance Markets : Risk Adjustment vs. Subsidies
Einav, Liran; Finkelstein, Amy; Tebaldi, Pietro - National Bureau of Economic Research - 2024
Health insurance is increasingly provided through managed competition, in which subsidies for consumers and risk adjustment for insurers are key market design instruments. We illustrate that subsidies offer two advantages over risk adjustment in markets with adverse selection. They provide...
Persistent link: https://www.econbiz.de/10014576615
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Mandates and the Affordability of Health Care
Glied, Sherry A. - 2008
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/10012464102
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Value Based Cost Sharing Meets the Theory of Moral Hazard : Medical Effectiveness in Insurance Benefits Design
Pauly, Mark V. - 2007
The conventional theory of optimal coinsurance rates in health insurance in the presence of moral hazard indicates that, in situations of equal risk characteristics, coinsurance should vary if the price-responsiveness or price-elasticity of demand for different medical services varies, and...
Persistent link: https://www.econbiz.de/10012465610
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Subsidies to Employee Health Insurance Premiums and the Health Insurance Market
Gruber, Jonathan - 2003
One approach to covering the uninsured that is frequently advocated by policy makers is subsidizing the employee portion of employer-provided health insurance premiums. But, since the vast majority of those offered employer-provided health insurance already take it up, such an approach is only...
Persistent link: https://www.econbiz.de/10012469133
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Taxes and Health Insurance
Gruber, Jonathan - 2001
A common prescription for reducing the number of uninsured is to increase the tax subsidization of health insurance in the U.S. Yet, we already provide over $100 billion per year in tax subsidies to health insurance. This paper provides an assessment of the past and potential impacts of taxation...
Persistent link: https://www.econbiz.de/10012470058
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Tax Credits, the Distribution of Subsidized Health Insurance Premiums, and the Uninsured
Pauly, Mark V. - 2001
This paper investigates the impact of a $1000 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...
Persistent link: https://www.econbiz.de/10012470261
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Selection in Health Insurance Markets and Its Policy Remedies
Geruso, Michael - 2017
In this essay, we review the theory and evidence concerning selection in competitive health insurance markets and discuss the common policy tools used to address the problems it creates. We begin by outlining some important but often misunderstood differences between two types of conceptual...
Persistent link: https://www.econbiz.de/10012453837
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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 …
Persistent link: https://www.econbiz.de/10012455014