Show or hide comments about the document.
Search over the document's text.
Share the document through social networks or e-mail.
After selecting an area on the page.
...you can:
copy the text
share the segment
comment
cite the document

Spring 2009

ISSN 0890-913X

Volume 24, Number 2

Categories: Entrepreneurship | Spring 2009

The Effect of State Mandates on Health Insurance Premiums

Stephan F. Gohmann, University of Louisville

Download

e-mail

<< Back to editing
Previous version by
<< Older
Newer >>
Revert to this one

Edit
Cancel
Fullscreen

Show comments
Zoom:
Page: / 15

Line spacing:
Word spacing:

Search:FindClose

search results

TheJournalofPrivateEnterprise24(2),2009,59-73TheEffectofStateMandatesonHealthInsurancePremiumsStephanF.GohmannUniversityofLouisvilleMyraJ.McCrickardBellarmineUniversityAbstractHealthinsurancemandatesrequireinsurerstoprovidecoverageforspecificservices,providers,orillnesses.Thispaperexamineshowstatehealthinsurancemandatesinfluencepremiumsandenrollmentinhealthinsuranceplans.Contrarytopreviousstudiesthatcomparepremiumsacrossstates,weexaminepremiumsforthesameplansincitiesthatlieonstateborders.Byholdingbothplanandpopulationcharacteristicsconstant,weisolatetheimpactofstatemandatesoninsurancepremiums.Somemandatesincreasepremiumsby24percent.Thesehigherpremiumsreduceenrollmentinhealthplansandmayalsoaffectthedecisiontobecomeself-employedortochangejobs.JELCodes:I11,I18Keywords:Healthinsurance;Mandates;PremiumsI.IntroductionStatehealthinsurancemandatesrequireinsurerstoofferpolicyholderscoverageforspecifiedbenefits,providers,orpatientpopulations(Bunce,Wieske,andPrikazsky,2004).Althoughsomeindividualsmaybenefitfromadditionalcoverage,mandatedbenefitsarenotcostless.Thecostsofmandatesarebornebyboththeinsurancecompaniesandtheinsured,andthesecostsarereflectedininsurancepremiums.Abetterunderstandingofhowmandatesaffectcostsmayleadtomoreinformedpolicydecisions.Therecentavailabilityofpremiumdatafromsourcessuchasehealthinsurance.commakesiteasiertostudytheeffectsofstatemandatesoninsurancepremiums.Forexample,New(2006)usesdatafromehealthinsurance.comtoexaminehowvariousstatelawsaffectpremiumsofidenticalhealthplansin36states.Hefindsthat59

GLIFOS-digital_archive

Metadata [hide]

Title	The Effect of State Mandates on Health Insurance Premiums
Authors/Creators:	Stephan F. Gohmann, University of Louisville
Year:	2009
Volume:	24
Number:	2
Pages:	59 - 73
Publisher:	The Association for Private Enterprise Education
ISSN:	0890-913X
Document Type:	Articles
Keywords:	Public enterprises, Health, Government policy, Population, Social Security

Citation:
Gohmann, Stephan F. / 2009. "The Effect of State Mandates on Health Insurance Premiums." The Journal of Private Enterprise, 24(2): 59-73.