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 Econjournal_title
Journal of health economicsauthors
Royalty AB,Hagens Jdoi
10.1016/j.jhealeco.2004.07.005subject
Has Abstractpub_date
2005-01-01 00:00:00pages
95-112issue
1eissn
0167-6296issn
1879-1646pii
S0167-6296(04)00100-6journal_volume
24pub_type
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