The Effect of Health Insurance Benefit Mandates on Premiums

James B. Bailey

Creighton University - Department of Economics; Temple University - Department of Economics

October 29, 2012

This paper examines the effects of laws mandating that health insurance cover specific conditions, procedures, providers and beneficiaries. Unlike previous work, this paper considers the market for employer-based health insurance rather than the much smaller individual market, and uses a panel data approach to account for unobserved heterogeneity among states. Using a fixed effects model, I find that the average mandate increases premiums by 0.44-1.11% annually. This implies that new mandates were responsible for 9-23% of all premium increases over the 1996-2011 period.

Number of Pages in PDF File: 11

Keywords: Health Insurance Premiums, Mandates

JEL Classification: I11, I13, I18

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Date posted: July 16, 2012 ; Last revised: January 13, 2013

Suggested Citation

Bailey, James B., The Effect of Health Insurance Benefit Mandates on Premiums (October 29, 2012). Available at SSRN: http://ssrn.com/abstract=2107945 or http://dx.doi.org/10.2139/ssrn.2107945

Contact Information

James B. Bailey (Contact Author)
Creighton University - Department of Economics ( email )
2500 California Plaza
Omaha, NE 68178
United States
Temple University - Department of Economics ( email )
Philadelphia, PA 19122
United States
HOME PAGE: http://sites.temple.edu/jamesbailey/
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