The effect of premiums on the decision to participate in health insurance and other fringe benefits offered by the employer: evidence from a real-world experiment.

Abstract:

:In this paper, we investigate the effect of the out-of-pocket premium on the decision to enroll in employer health insurance and other benefits plans including dental insurance, vision care, long-term care insurance, and wellness benefits. Previous estimates of the effects of premium on takeup of health insurance could be biased toward zero due to a correlation between premium and unobservable demand or plan quality. We solve this problem using data representing hypothetical choices by employees under three different price regimes, providing price variation uncorrelated with either individual-specific or plan-specific unobservables. We find that workers are insensitive to price in health insurance takeup. Workers show much greater price sensitivity to decisions about dental insurance, vision plans, long-term care insurance, and wellness benefits. We conclude that premium subsidies are unlikely to have a substantial impact on increasing insurance rates of workers already offered employer insurance.

journal_name

J Health Econ

authors

Royalty AB,Hagens J

doi

10.1016/j.jhealeco.2004.07.005

subject

Has Abstract

pub_date

2005-01-01 00:00:00

pages

95-112

issue

1

eissn

0167-6296

issn

1879-1646

pii

S0167-6296(04)00100-6

journal_volume

24

pub_type

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