nep-ias 2005-07-03 papers

on Insurance Economics

Issue of 2005‒07‒03
one paper chosen by
Soumitra K Mallick
Indian Institute of Social Welfare and Bussiness Management

Health Insurance Reform and HMO Penetration in the Small Group Market By Thomas C. Buchmueller

Health Insurance Reform and HMO Penetration in the Small Group Market

By:	Thomas C. Buchmueller
Abstract:	We use data from several national employer surveys conducted between the late 1980s and the mid-1990s to investigate the effect of state-level underwriting reforms on HMO penetration in the small-group health insurance market. We identify reform effects by exploiting cross-state variation in the timing and content of reform legislation and by using mid-sized and large employers, which were not affected by the legislation, as within-state control groups. While it is difficult to disentangle the effect of state reforms from other factors affecting HMO penetration in the small group markets, the results suggest a positive relationship between insurance market regulations and HMO penetration.
JEL:	I10
Date:	2005–06
URL:	http://d.repec.org/n?u=RePEc:nbr:nberwo:11446&r=ias

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