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

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