Pricing regulations in individual health insurance: Evidence from Medigap.
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ABSTRACT:
SUBMITTER: Curto VE
PROVIDER: S-EPMC11284172 | biostudies-literature | 2023 Sep
REPOSITORIES: biostudies-literature
Publications
Pricing regulations in individual health insurance: Evidence from Medigap.
Journal of health economics 20230807
I compare two pricing regulations that protect those with health conditions-"community rating," which requires insurers to charge uniform premiums, and "guaranteed renewal," which requires insurers to increase future premiums uniformly. Using individual-level Medigap data from 2006-2010, I compare individuals within 25 miles of borders between 3 community rating and 6 guaranteed renewal states. Relative to guaranteed renewal, community rating (with guaranteed issue) leads to a decrease in Mediga ...[more]
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