Home > Publications . Search All . Browse All . Country . Browse PSC Pubs . PSC Report Series

PSC In The News

RSS Feed icon

Neidert says decreasing relevance of marriage reflected in growing percent of one-person households

House says resolving socioeconomic inequalities, not spending more on health care, will improve health in America

Kusunoki, Hall, and Barber find obese teen girls less likely to use birth control

Highlights

Bob Willis awarded 2015 Jacob Mincer Award for Lifetime Contributions to the Field of Labor Economics

David Lam is new director of Institute for Social Research

Elizabeth Bruch wins Robert Merton Prize for paper in analytic sociology

Elizabeth Bruch wins ASA award for paper in mathematical sociology

Next Brown Bag

PSC Brown Bags will be back fall 2015


Increasing health insurance costs and the decline in insurance coverage

Archived Abstract of Former PSC Researcher

Chernew, Michael, D.M. Cutler, and P.S. Keenan. 2005. "Increasing health insurance costs and the decline in insurance coverage." Health Services Research, 40(4): 1021-1039.

Objectives. To determine the impact of rising health insurance premiums on coverage rates. Data Sources & Study Setting. Our analysis is based on two cohorts of nonelderly Americans residing in 64 large metropolitan statistical areas (MSAs) surveyed in the Current Population Survey in 1989-1991 and 1998-2000. Measures of premiums are based on data from the Health Insurance Association of America and the Kaiser Family Foundation/Health Research and Educational Trust Survey of Employer-Sponsored Health Benefits.

Study Design. Probit regression and instrumental variable techniques are used to estimate the association between rising local health insurance costs and the falling propensity for individuals to have any health insurance coverage, controlling for a rich array of economic, demographic, and policy covariates.

Principal Findings. More than half of the decline in coverage rates experienced over the 1990s is attributable to the increase in health insurance premiums (2.0 percentage points of the 3.1 percentage point decline). Medicaid expansions led to a 1 percentage point increase in coverage. Changes in economic and demographic factors had little net effect. The number of people uninsured could increase by 1.9-6.3 million in the decade ending 2010 if real, per capita medical costs increase at a rate of 1-3 percentage points, holding all else constant.

Conclusion. Initiatives aimed at reducing the number of uninsured must confront the growing pressure on coverage rates generated by rising costs.

DOI:10.1111/j.1475-6773.2005.00409.x. (Full Text)

PMCID: PMC1361195. (Pub Med Central)

Country of focus: United States of America.

Browse | Search : All Pubs | Next