Author
Listed:
- Jeffrey Clemens
(Stanford University)
AbstractIn the early 1990s, several US states enacted community rating regulations to equalize the private health insurance premiums paid by the healthy and the sick. Consistent with severe adverse selection pressures, their private coverage rates fell by 8-11 percentage points more than rates in comparable markets over subsequent years. By the early 2000s, however, most of these losses had been recovered. The recoveries were coincident with substantial public insurance expansions (for unhealthy adults, pregnant women, and children) and were largest in the markets where public coverage of unhealthy adults expanded most. The analysis highlights an important linkage between the incidence of public insurance programs and redistributive regulations. When targeted at the sick, public insurance expansions can relieve the distortions associated with premium regulations, potentially crowding in private coverage. Such expansions will look particularly attractive to participants in community-rated insurance markets when a federal government shares in the cost of local public insurance programs.
Suggested Citation
Jeffrey Clemens, 2012.
"Regulatory Redistribution in the Market for Health Insurance,"
Discussion Papers
11-011, Stanford Institute for Economic Policy Research.
Handle:
RePEc:sip:dpaper:11-011
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More about this item
Keywords
Community Rating;
Medicaid;
Health Insurance;
Social Insurance;
Redistribution;
Fiscal Competition;
All these keywords.
JEL classification:
- H51 - Public Economics - - National Government Expenditures and Related Policies - - - Government Expenditures and Health
- H11 - Public Economics - - Structure and Scope of Government - - - Structure and Scope of Government
- H53 - Public Economics - - National Government Expenditures and Related Policies - - - Government Expenditures and Welfare Programs
- I11 - Health, Education, and Welfare - - Health - - - Analysis of Health Care Markets
- I18 - Health, Education, and Welfare - - Health - - - Government Policy; Regulation; Public Health
- I38 - Health, Education, and Welfare - - Welfare, Well-Being, and Poverty - - - Government Programs; Provision and Effects of Welfare Programs
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