State Health Insurance Regulations and the Price of High-Deductible Policies
Congdon William J. () and
Mark Showalter ()
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Congdon William J.: Brookings Institution
Forum for Health Economics & Policy, 2008, vol. 11, issue 2, 1-26
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.
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