Health and the cost of nongroup insurance

被引：15

作者：

Hadley, J

Reschovsky, JD

机构：

[1] Ctr Studying Hlth Syst Change, Washington, DC 20024 USA

[2] Urban Inst, Washington, DC 20037 USA

来源：

INQUIRY-THE JOURNAL OF HEALTH CARE ORGANIZATION PROVISION AND FINANCING | 2003年 / 40卷 / 03期

关键词：

D O I：

10.5034/inquiryjrnl_40.3.235

中图分类号：

R19 [保健组织与事业（卫生事业管理）];

学科分类号：

摘要：

This analysis estimates a selection-adjusted model of the premium for nongroup insurance to measure the effect of health status on the cost of nongroup insurance. Using data from two recent national surveys, the probability of buying nongroup insurance is about 50% lower for people in fair or poor health compared to similar people in excellent health. Correcting for selection, premiums are about 15% higher for people with modest health problems, and 43% to 50% higher for people with major health problems compared to those in excellent health. We use the selection-corrected premiums to simulate the effects on the price and affordability of nongroup insurance for the uninsured under two recent tax credit proposals.

引用

页码：235 / 253

页数：19