Subsidies and the demand for individual health insurance in California

Health Services Research
M Susan MarquisJill M Yegian

Abstract

To estimate the effect of changes in premiums for individual insurance on decisions to purchase individual insurance and how this price response varies among subgroups of the population. Survey responses from the Current Population Survey (http://www.bls.census.gov/cps/cpsmain.htm), the Survey of Income and Program Participation (http://www.sipp.census.gov/sipp), the National Health Interview Survey (http://www.cdc.gov/nchs/nhis.htm), and data about premiums and plans offered in the individual insurance market in California, 1996-2001. A logit model was used to estimate the decisions to purchase individual insurance by families without access to group insurance. This was modeled as a function of premiums, controlling for family characteristics and other characteristics of the market. A multinomial model was used to estimate the choice between group coverage, individual coverage, and remaining uninsured for workers offered group coverage as a function of premiums for individual insurance and out-of-pocket costs of group coverage. The elasticity of demand for individual insurance by those without access to group insurance is about -.2 to -.4, as has been found in earlier studies. However, there are substantial differences in pric...Continue Reading

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Citations

Nov 28, 2007·Inquiry : a Journal of Medical Care Organization, Provision and Financing·Kanika KapurM Susan Marquis
Mar 15, 2008·Inquiry : a Journal of Medical Care Organization, Provision and Financing·Gina A LivermoreLobat Hashemi
Sep 29, 2006·Inquiry : a Journal of Medical Care Organization, Provision and Financing·David Auerbach, Sabina Ohri
Nov 13, 2007·Health Services Research·M Susan MarquisKanika Kapur
Jul 6, 2014·Inquiry : a Journal of Medical Care Organization, Provision and Financing·Gulcin Gumus, Tracy L Regan
Dec 8, 2004·Health Affairs·Melinda Beeuwkes BuntinJill M Yeglan
May 4, 2006·Health Affairs·M Susan MarquisJill M Yegian

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