| 来源类型 | Working Paper |
| 规范类型 | 报告 |
| DOI | 10.3386/w20140 |
| 来源ID | Working Paper 20140 |
| More Insurers Lower Premiums: Evidence from Initial Pricing in the Health Insurance Marketplaces | |
| Leemore Dafny; Jonathan Gruber; Christopher Ody | |
| 发表日期 | 2014-05-15 |
| 出版年 | 2014 |
| 语种 | 英语 |
| 摘要 | First-year insurer participation in the Health Insurance Marketplaces (HIMs) established by the Affordable Care Act is limited in many areas of the country. There are 3.9 participants, on (population-weighted) average, in the 395 ratings areas spanning the 34 states with federally facilitated marketplaces (FFMs). Using data on the plans offered in the FFMs, together with predicted market shares for HIM participants (estimated using 2011 insurer-state market shares in the individual insurance market), we study the impact of competition on premiums. We exploit variation in ratings-area-level competition induced by UnitedHealthcare's decision not to participate in any of the FFMs. We estimate that the second-lowest-price silver premium (which is directly linked to federal subsidies) would have decreased by 5.4 percent, on average, had UnitedHealthcare participated. If all insurers active in each state's individual insurance market in 2011 had participated in all ratings areas in that state's HIM, we estimate this key premium would be 11.1% lower and 2014 federal subsidies would be reduced by $1.7 billion. |
| 主题 | Public Economics ; National Fiscal Issues ; Health, Education, and Welfare ; Health ; Industrial Organization ; Market Structure and Firm Performance |
| URL | https://www.nber.org/papers/w20140 |
| 来源智库 | National Bureau of Economic Research (United States) |
| 引用统计 | |
| 资源类型 | 智库出版物 |
| 条目标识符 | http://119.78.100.153/handle/2XGU8XDN/577814 |
| 推荐引用方式 GB/T 7714 | Leemore Dafny,Jonathan Gruber,Christopher Ody. More Insurers Lower Premiums: Evidence from Initial Pricing in the Health Insurance Marketplaces. 2014. |
| 条目包含的文件 | 条目无相关文件。 | |||||
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