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1 - Recent evidence to inform the health policy debate(1)

1 - Recent evidence to inform the health policy debate(1) -...

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Recent evidence to inform the health policy debate: effects of community rating and employer mandates ECO 381 November 8, 2011
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Theory We’ve seen that: Experience rating can limit adverse selection Some argue that with community-rated premiums, the individual mandate is needed to limit adverse selection (otherwise, healthiest people will not buy insurance) Employer mandates will expand health insurance coverage, but they may detract from growth of real wages and may reduce employment (depends on elasticity of supply of labor and elasticity of demand for labor)
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Health Care Reform Health care reform include an employer and an individual mandate Eliminate experience rating of policies in non-group insurance market However, some states have already experimented with these policies – what can we learn from their experiences?
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Effects of community rating in New York State Buchmueller & Dinardo (1999) At least 45 states have imposed some state-
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