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Forum for Health Economics & Policy

Editor-in-Chief: Goldman, Dana

CiteScore 2017: 0.53

SCImago Journal Rank (SJR) 2017: 0.425
Source Normalized Impact per Paper (SNIP) 2017: 0.297

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State Health Insurance Regulations and the Price of High-Deductible Policies

Amanda E. Kowalski / William J. Congdon / Mark H. Showalter
Published Online: 2008-11-19 | DOI: https://doi.org/10.2202/1558-9544.1129

This study examines the impact of state health insurance regulations on the price of high-deductible family and individual polices in the nongroup market. We use a unique and rich data set on actual insurance policies sold through a large Internet health insurance distributor to examine the impact of various regulations on policy prices, controlling for policy characteristics, demographic characteristics of the purchasers, and state-level demographics. We also use data from a single major insurance firm that provided offer prices for a family policy from a set of randomly selected zip codes. Both datasets suggest a strong statistical relationship between regulation and insurance prices.

Keywords: health insurance; insurance regulations; consumer directed health care

About the article

Published Online: 2008-11-19

Citation Information: Forum for Health Economics & Policy, Volume 11, Issue 2, ISSN (Online) 1558-9544, DOI: https://doi.org/10.2202/1558-9544.1129.

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