Does health insurance coverage fall when nonprofit insurers become for-profits?

Lieber, Ethan M.J.

doi:10.1016/j.jhealeco.2017.09.001

Cited by 5 publications

(1 citation statement)

References 39 publications

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“…Countries are required to ensure the availability of sustainable financial resources alongside other health resources to realize this right [3][4][5]. Insurance usually plays the role of an intermediary organization in transferring financial resources from the consumer of health services to its provider [6,7]. Health insurance is based on people's significant risks in receiving health services that they cannot afford alone.…”

Section: Introductionmentioning

confidence: 99%

The pattern of health insurance economic resilience in the Covid 19 pandemic shock

2021

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Objective Health insurance is based on people’s significant risks in receiving health services that they cannot afford alone. Since the outbreak of the corona epidemic, the health insurance system has suffered many economic problems. Designing a model of a health insurance system based on the requirements of a resilient economy can improve the functions of this system in the corona crisis. Results In this research 12, structural components were obtained in the form of 4 conceptual components. The 4 main conceptual components are Knowledge-based economy, Economic stability, Economic resilience, and justice. The knowledge-based economy is the basis for the formation of economic resilience in the health insurance systems. Health insurance systems will achieve two crucial intermediate results, namely economic resilience, and economic stability, by building the basic infrastructure of a knowledge-based economy. In the long run, maintaining such intermediate results is the foundation of justice in the health insurance system.

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Section: Introductionmentioning

confidence: 99%

The pattern of health insurance economic resilience in the Covid 19 pandemic shock

2021

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Regulating Markups in US Health Insurance

Cicala

Lieber

Marone

2019

American Economic Journal: Applied Economics

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A health insurer's Medical Loss Ratio (MLR) is the share of premiums spent on medical claims, or the inverse markup over average claims cost. The Affordable Care Act introduced minimum MLR provisions for all health insurance sold in fully insured commercial markets, thereby capping insurer profit margins, but not levels. While intended to reduce premiums, we show this rule creates incentives to increase costs. Using variation created by the rule's introduction as a natural experiment, we find medical claims rose nearly one-for-one with distance below the regulatory threshold: 7 percent in the individual market and 2 percent in the group market. Premiums were unaffected. (JEL G22, H51, I13, I18)

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