Health risk, income, and the purchase of private health insurance:
"While many believe that an individual's health plays an important role in both their willingness and ability to obtain health insurance, relatively little agreement exists on how and why health status is likely to affect coverage rates, particularly for individuals purchasing coverage in...
Gespeichert in:
| Hauptverfasser: | , , |
|---|---|
| Format: | Buch |
| Sprache: | English |
| Veröffentlicht: |
Cambridge, Mass.
National Bureau of Economic Research
2005
|
| Schriftenreihe: | National Bureau of Economic Research <Cambridge, Mass.>: NBER working paper series
11677 |
| Schlagworte: | |
| Online-Zugang: | Volltext |
| Zusammenfassung: | "While many believe that an individual's health plays an important role in both their willingness and ability to obtain health insurance, relatively little agreement exists on how and why health status is likely to affect coverage rates, particularly for individuals purchasing coverage in the individual market. In this paper, we examine the relationship between health risk and the purchase of private health insurance and whether that relationship differs between people purchasing coverage in the individual and large group markets and between low and high income individuals. The data source for our analysis is the panel component of the 1996-2002 Medical Expenditure Panel Survey (MEPS). We find that health risk is positively associated with obtaining private health insurance coverage. The positive relationship between health risk and coverage is stronger for individuals obtaining coverage in the large group market than for individuals obtaining coverage in the individual market. In the large group market, rates of coverage increase more quickly with health risk for low than high income individuals. We conclude that high premiums for high risks are not a significant contributor to the large uninsured population in the U.S. Among low income individuals, high premiums may represent a barrier to low risks in the large group market"--National Bureau of Economic Research web site. |
| Beschreibung: | 39 S. graph. Darst. |
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| geographic_facet | USA |
| id | DE-604.BV023591718 |
| illustrated | Illustrated |
| index_date | 2024-07-02T22:41:28Z |
| indexdate | 2024-07-09T21:25:11Z |
| institution | BVB |
| language | English |
| oai_aleph_id | oai:aleph.bib-bvb.de:BVB01-016907048 |
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| physical | 39 S. graph. Darst. |
| publishDate | 2005 |
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| publisher | National Bureau of Economic Research |
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| series | National Bureau of Economic Research <Cambridge, Mass.>: NBER working paper series |
| series2 | National Bureau of Economic Research <Cambridge, Mass.>: NBER working paper series |
| spelling | Bundorf, M. Kate Verfasser (DE-588)128796936 aut Health risk, income, and the purchase of private health insurance M. Kate Bundorf ; Bradley Herring ; Mark Pauly Cambridge, Mass. National Bureau of Economic Research 2005 39 S. graph. Darst. txt rdacontent n rdamedia nc rdacarrier National Bureau of Economic Research <Cambridge, Mass.>: NBER working paper series 11677 "While many believe that an individual's health plays an important role in both their willingness and ability to obtain health insurance, relatively little agreement exists on how and why health status is likely to affect coverage rates, particularly for individuals purchasing coverage in the individual market. In this paper, we examine the relationship between health risk and the purchase of private health insurance and whether that relationship differs between people purchasing coverage in the individual and large group markets and between low and high income individuals. The data source for our analysis is the panel component of the 1996-2002 Medical Expenditure Panel Survey (MEPS). We find that health risk is positively associated with obtaining private health insurance coverage. The positive relationship between health risk and coverage is stronger for individuals obtaining coverage in the large group market than for individuals obtaining coverage in the individual market. In the large group market, rates of coverage increase more quickly with health risk for low than high income individuals. We conclude that high premiums for high risks are not a significant contributor to the large uninsured population in the U.S. Among low income individuals, high premiums may represent a barrier to low risks in the large group market"--National Bureau of Economic Research web site. Health Status United States Health insurance Economic aspects United States Income United States Insurance Coverage economics United States Insurance, Health economics United States USA Herring, Bradley Verfasser (DE-588)128757531 aut Pauly, Mark V. 1941- Verfasser (DE-588)124547443 aut Erscheint auch als Online-Ausgabe National Bureau of Economic Research <Cambridge, Mass.>: NBER working paper series 11677 (DE-604)BV002801238 11677 http://papers.nber.org/papers/w11677.pdf kostenfrei Volltext |
| spellingShingle | Bundorf, M. Kate Herring, Bradley Pauly, Mark V. 1941- Health risk, income, and the purchase of private health insurance National Bureau of Economic Research <Cambridge, Mass.>: NBER working paper series Health Status United States Health insurance Economic aspects United States Income United States Insurance Coverage economics United States Insurance, Health economics United States |
| title | Health risk, income, and the purchase of private health insurance |
| title_auth | Health risk, income, and the purchase of private health insurance |
| title_exact_search | Health risk, income, and the purchase of private health insurance |
| title_exact_search_txtP | Health risk, income, and the purchase of private health insurance |
| title_full | Health risk, income, and the purchase of private health insurance M. Kate Bundorf ; Bradley Herring ; Mark Pauly |
| title_fullStr | Health risk, income, and the purchase of private health insurance M. Kate Bundorf ; Bradley Herring ; Mark Pauly |
| title_full_unstemmed | Health risk, income, and the purchase of private health insurance M. Kate Bundorf ; Bradley Herring ; Mark Pauly |
| title_short | Health risk, income, and the purchase of private health insurance |
| title_sort | health risk income and the purchase of private health insurance |
| topic | Health Status United States Health insurance Economic aspects United States Income United States Insurance Coverage economics United States Insurance, Health economics United States |
| topic_facet | Health Status United States Health insurance Economic aspects United States Income United States Insurance Coverage economics United States Insurance, Health economics United States USA |
| url | http://papers.nber.org/papers/w11677.pdf |
| volume_link | (DE-604)BV002801238 |
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