The Demand for Individual Insurance

IF 3.1 2区经济学 Q1 ECONOMICS

American Journal of Health Economics Pub Date : 2021-11-11 DOI:10.1086/718161

Conor Ryan, R. Feldman, Stephen L. Parente

引用次数: 0

Abstract

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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个人保险需求

我们使用一个来自私人在线市场的新数据集来估计18个州的许多高收入家庭对个人健康保险的需求。收入超过联邦贫困水平四倍的家庭愿意每月支付30至135美元，以将其保险的精算价值提高10个百分点，远低于收入低于联邦贫困水平2.5倍的家庭。高收入家庭也不太可能因为保费上涨而放弃保险。这些结果对于理解针对高收入人群的卫生改革提案的效果非常重要。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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来源期刊

American Journal of Health Economics Multiple-

CiteScore

4.30

自引率

2.70%

发文量

期刊介绍： The American Journal of Health Economics (AJHE) provides a forum for the in-depth analysis of health care markets and individual health behaviors. The articles appearing in AJHE are authored by scholars from universities, private research organizations, government, and industry. Subjects of interest include competition among private insurers, hospitals, and physicians; impacts of public insurance programs, including the Affordable Care Act; pharmaceutical innovation and regulation; medical device supply; the rise of obesity and its consequences; the influence and growth of aging populations; and much more.