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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| Main Authors: | , |
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| Format: | Book |
| Published: |
SAGE Publishing,
2005-11-01T00:00:00Z.
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| Online Access: | Connect to this object online. |
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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. |
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| Item Description: | 0046-9580 10.5034/inquiryjrnl_42.4.367 |