Keywords

state health insurance, policies, deductible

Abstract

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.

Original Publication Citation

Amanda E. Kowalski, William J. Congdon, and Mark H. Showalter (28) "State Health Insurance Regulations and the Price of High-Deductible Policies," Forum for Health Economics & Policy: Vol. 11: Iss. 2 (Health Care Reform), Article 8.