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Determinants of Group Health Insurance Demand

13 Pages Posted: 28 Nov 2006  

Jorge Munoz Perez

Instituto Tecnológico Autónomo de México (ITAM)

Tapen Sinha

Instituto Tecnológico Autónomo de México (ITAM) - Division of Actuarial Science, Statistics and Mathematics; Nottingham University Business School

Date Written: November 2006

Abstract

We examine the determinants of claims for a group health care plan. Since all persons in the group are covered, the premium does not enter the consideration of demand in this case. Hence, we are able to isolate other variables that affect the demand for health insurance. We show that income of the employees affect the claims in an unexpected way.

Keywords: demand, group health insurance, income, employers

JEL Classification: I1

Suggested Citation

Munoz Perez, Jorge and Sinha, Tapen, Determinants of Group Health Insurance Demand (November 2006). Available at SSRN: https://ssrn.com/abstract=947345 or http://dx.doi.org/10.2139/ssrn.947345

Jorge Munoz Perez

Instituto Tecnológico Autónomo de México (ITAM) ( email )

Av. Camino a Sta. Teresa 930
Col. Héroes de Padierna
Mexico City, D.F. 01000, Federal District 01080
Mexico

Tapen Sinha (Contact Author)

Instituto Tecnológico Autónomo de México (ITAM) - Division of Actuarial Science, Statistics and Mathematics ( email )

Rio Hondo #1 Col. Tizapan San Angel
C.P. 01000 Del. Alvaro Obregon
52 55 5628 4088 (Phone)
52 55 5628 4086 (Fax)

Nottingham University Business School ( email )

Jubilee Campus
Wollaton Road
Nottingham, NG8 1BB
United Kingdom

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