Abstract

http://ssrn.com/abstract=2107945
 


 



The Effect of Health Insurance Benefit Mandates on Premiums


James B. Bailey


Temple University - Department of Economics

October 29, 2012


Abstract:     
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

working papers series


Download This Paper

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)
Temple University - Department of Economics ( email )
Philadelphia, PA 19122
United States
HOME PAGE: http://sites.temple.edu/jamesbailey/
Feedback to SSRN


Paper statistics
Abstract Views: 545
Downloads: 145
Download Rank: 113,502

© 2014 Social Science Electronic Publishing, Inc. All Rights Reserved.  FAQ   Terms of Use   Privacy Policy   Copyright   Contact Us
This page was processed by apollo3 in 0.625 seconds