Health Insurance Reform and HMO Penetration in the Small Group Market

This study uses data from several national employer surveys conducted between the late 1980s and the mid-1990s to investigate the effect of state-level underwriting reforms on HMO penetration in the small group health insurance market. We identify reform effects by exploiting cross-state variation i...

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Bibliographic Details
Main Authors: Thomas C. Buchmueller (Author), Su Liu (Author)
Format: Book
Published: SAGE Publishing, 2005-11-01T00:00:00Z.
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Summary:This study uses data from several national employer surveys conducted between the late 1980s and the mid-1990s to investigate the effect of state-level underwriting reforms on HMO penetration in the small group health insurance market. We identify reform effects by exploiting cross-state variation in the timing and content of reform legislation and by using mid-sized and large employers, which were not affected by the legislation, as within-state control groups. While it is difficult to disentangle the effect of state reforms from other factors affecting HMO penetration in the small group markets, the results suggest a positive relationship between insurance market regulations and HMO penetration.
Item Description:0046-9580
10.5034/inquiryjrnl_42.4.367