Tax Credits, the Distribution of Subsidized Health Insurance Premiums, and the Uninsured

Pauly Mark V., Bradley Herring and Song David
Additional contact information
Pauly Mark V.: Department of Health Care Systems, University of Pennsylvania
Song David: Department of Health Care Systems, University of Pennsylvania

Forum for Health Economics & Policy, 2002, vol. 5, issue 1, 22

Abstract: This paper investigates the impact of a$1,000 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 based on a sample of actual purchasers, and premium quotations drawn from an e-insurance website. In most of the simulations, the net premiums for half or more of the prospective buyers are reduced to zero or low levels. The number of uninsured is reduced by 21 to 85 percent, depending on the size of the deductible in the benchmark plan. However, the results are sensitive to assumptions about insurer underwriting practices.

Date: 2002
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Chapter: Tax Credits, the Distribution of Subsidized Health Insurance Premiums, and the Uninsured (2002)
Working Paper: Tax Credits, the Distribution of Subsidized Health Insurance Premiums, and the Uninsured (2001)
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DOI: 10.2202/1558-9544.1030

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