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.
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页码：275 / 299
页数：25
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