The Demand for Individual Insurance Evidence from a Private Online Marketplace

被引：2

作者：

Ryan, Conor ^{[1
]}

Feldman, Roger ^{[2
]}

Parente, Stephen ^{[3
]}

机构：

[1] Penn State Univ, University Pk, PA 16802 USA

[2] Univ Minnesota, Sch Publ Hlth, Minneapolis, MN USA

[3] Univ Minnesota, Carlson Sch Management, Minneapolis, MN USA

来源：

AMERICAN JOURNAL OF HEALTH ECONOMICS | 2022年 / 8卷 / 02期

关键词：

health insurance; consumer demand; HEALTH-INSURANCE; MANDATE;

D O I：

10.1086/718161

中图分类号：

F [经济];

学科分类号：

02 ;

摘要：

We use a novel data set from a private online marketplace to estimate the demand for individual health insurance among a set comprising many high-income households across 18 states. Households earning more than four times the federal poverty level (FPL) are willing to pay $30 to $135 per month to increase the actuarial value of their insurance by 10 percentage points, much less than households earning less than 2.5 times FPL. Higher-income households are also less likely to forgo insurance because of a premium increase. These results are important for understanding the effect of health reform proposals targeting higher-income populations.

引用

页码：275 / 299

页数：25

共 50 条

[21] Effects of Repealing the ACA Individual Mandate Penalty on Insurance Coverage and Marketplace Enrollment Evidence From State Mandates in Massachusetts and New Jersey
Oyeka, Onyinye I.
Lyu, Wei
Wehby, George L.
MEDICAL CARE, 2022, 60 (10) : 759 - 767
[22] A simple test for private information in insurance markets with heterogeneous insurance demand
Gan, Li
Huang, Feng
Mayer, Adalbert
ECONOMICS LETTERS, 2015, 136 : 197 - 200
[23] Evidence of Background Checks in an Online Firearms Marketplace
Drake, Coleman
Hernandez, Ashley M.
Liu, Yang
Schwartz, Adam H.
Sundaram, Maria E.
AMERICAN JOURNAL OF PREVENTIVE MEDICINE, 2019, 57 (05) : 718 - 720
[24] THE INTERDEPENDENCE OF INDIVIDUAL PORTFOLIO DECISIONS AND THE DEMAND FOR INSURANCE
MAYERS, D
SMITH, CW
JOURNAL OF POLITICAL ECONOMY, 1983, 91 (02) : 304 - 311
[25] Subsidies and the demand for individual health insurance in California
Marquis, MS
Buntin, MB
Escarce, JJ
Kapur, K
Yegian, JM
HEALTH SERVICES RESEARCH, 2004, 39 (05) : 1547 - U35
[26] Tax incentives and the demand for life insurance: evidence from Italy
Jappelli, T
Pistaferri, L
JOURNAL OF PUBLIC ECONOMICS, 2003, 87 (7-8) : 1779 - 1799
[27] Risk attitudes and demand for insurance: micro evidence from Ghana
Asuming, Patrick Opoku
Gaisie, Deborah Aba
REVIEW OF BEHAVIORAL FINANCE, 2023, 15 (06) : 781 - 794
[28] Insurance Business and the Demand for Money: Empirical Evidence from China
Xu Xu
PROCEEDINGS OF 2012 CHINA INTERNATIONAL CONFERENCE ON INSURANCE AND RISK MANAGEMENT, 2012, : 250 - 258
[29] Immigration and the demand for life insurance: evidence from Canada, 1911
De Bromhead, Alan
Borowiecki, Karoljan
EUROPEAN REVIEW OF ECONOMIC HISTORY, 2016, 20 : 147 - 175
[30] Wealth and the demand for life insurance: evidence from Ontario, 1892
Di Matteo, L
Emery, JCH
EXPLORATIONS IN ECONOMIC HISTORY, 2002, 39 (04) : 446 - 469

← 1 2 3 4 5 →