Health Insurance Reform and HMO Penetration in the Small Group Market

33 Pages Posted: 27 Jul 2005 Last revised: 12 Oct 2022

See all articles by Thomas C. Buchmueller

Thomas C. Buchmueller

University of California - Paul Merage School of Business - Economics/Health Care; University of Michigan, Stephen M. Ross School of Business; National Bureau of Economic Research (NBER)

Su Liu

Mathematica Policy Research, Inc.

Date Written: June 2005

Abstract

We use data from several national employer surveys conducted between the late 1980s and the mid-1990s to investigate the effect of state-level underwriting reforms on HMO penetration in the small-group health insurance market. We identify reform effects by exploiting cross-state variation in the timing and content of reform legislation and by using mid-sized and large employers, which were not affected by the legislation, as within-state control groups. While it is difficult to disentangle the effect of state reforms from other factors affecting HMO penetration in the small group markets, the results suggest a positive relationship between insurance market regulations and HMO penetration.

Suggested Citation

Buchmueller, Thomas C. and Buchmueller, Thomas C. and Liu, Su, Health Insurance Reform and HMO Penetration in the Small Group Market (June 2005). NBER Working Paper No. w11446, Available at SSRN: https://ssrn.com/abstract=752024

Thomas C. Buchmueller (Contact Author)

University of California - Paul Merage School of Business - Economics/Health Care ( email )

Irvine, CA 92697-3125
United States

HOME PAGE: http://web.gsm.uci.edu/~tbuchmu/

University of Michigan, Stephen M. Ross School of Business ( email )

701 Tappan Street
Ann Arbor, MI MI 48109
United States

National Bureau of Economic Research (NBER)

1050 Massachusetts Avenue
Cambridge, MA 02138
United States

Su Liu

Mathematica Policy Research, Inc. ( email )

600 Maryland Ave., SW, Suite 550
Washington, DC 20024

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