Let them have choice: Gains from shifting away from employer-sponsored health insurance and toward an individual exchange

American Economic Journal: Economic Policy

Volumn 5, Issue 1, 2013, Pages 32-58

  Dafny, Leemore ^a   Ho, Kate ^b   Varela, Mauricio ^c  

^a NORTHWESTERN UNIVERSITY   (United States)

^b Och Spine at New York Presbyterian Hospitals   (United States)

^c UNIVERSITY OF ARIZONA   (United States)

Author keywords

[No Author keywords available]

Indexed keywords

EID: 84873519401     PISSN: 19457731     EISSN: 1945774X     Source Type: Journal    
DOI: 10.1257/pol.5.1.32     Document Type: Article

References (33)

1. Abaluck, Jason, and Jonathan Gruber. 2011. "Choice Inconsistencies among the Elderly: Evidence from Plan Choice in the Medicare Part D Program." American Economic Review 101 (4): 1180-1210.
2. American Academy of Actuaries. 2009. "Critical Issues in Health Reform: Administrative Expenses." American Academy of Actuaries, September 9. www.actuary.org/pdf/health/admin_expenses_ sept09.pdf.
3. Beaulieu, Nancy Dean. 2002. "Quality Information and Consumer Health Plan Choices." Journal of Health Economics 21 (1): 43-63.
4. Berry, Steven T. 1994. "Estimating Discrete-Choice Models of Product Differentiation." RAND Journal of Economics 25 (2): 242-62.
5. Blumberg, Linda J., Len M. Nichols, and Jessica S. Banthim. 2001. "Worker Decisions to Purchase Health Insurance." International Journal of Health Care Finance and Economics 1 (3-4): 305-25.
6. Bundorf, M. Kate. 2002. "Employee Demand for Health Insurance and Employer Health Plan Choices." Journal of Health Economics 21 (1): 65-88.
7. Carlin, Caroline, and Robert J. Town. 2009. "Adverse Selection, Welfare, and Optimal Pricing of Employer-Sponsored Health Plans." University of Minnesota Working Paper.
8. Chernew, Michael. 2004. "Quality and Employers' Choice of Health Plans." Journal of Health Economics 23 (3): 471-92.
9. Chernew, Michael, Gautam Gowrisankaran, and Dennis P. Scanlon. 2008. "Learning and the Value of Information: Evidence from Health Plan Report Cards." Journal of Econometrics 144 (1): 156-74.
10. Cutler, David M., and Sarah J. Reber. 1998. "Paying for Health Insurance: The Trade-Off between Competition and Adverse Selection." Quarterly Journal of Economics 113 (2): 433-66.
11. Cross, Margaret Ann. 2005. "Momentum Shifts Toward Consumer-Directed Plans." Managed Care Magazine, July. http://www.managedcaremag.com/archives/0507/0507.landscape.html.
12. Dafny, Leemore S. 2010. "Are Health Insurance Markets Competitive?" American Economic Review 100 (4): 1399-1431.
13. Dafny, Leemore, and David Dranove. 2008. "Do Report Cards Tell Consumers Anything They Don't Already Know? The Case of Medicare HMOs." RAND Journal of Economics 39 (3): 790-821.
14. Dafny, Leemore, Katherine Ho, and Mauricio Varela. 2010. "Expanding Choice in Employer Sponsored Health Insurance: Who Gains and Why?" American Economic Review 100 (2): 485-89.
15. Dafny, Leemore, Kate Ho, and Mauricio Varela. 2013. "Let Them Have Choice: Gains from Shifting Away from Employer-Sponsored Health Insurance and Toward an Individual Exchange: Dataset." American Economic Journal: Economic Policy. http://dx.doi.org/10.1257/pol.5.1.32.
16. Fronstin, Paul. 2009. "Sources of Health Insurance and Characteristics of the Uninsured: Analysis of the March 2009 Current Population Survey." Employee Benefit Research Institute (EBRI) Issue Brief 334.
17. Fronstin, Paul. 2010. "How Many of the US Nonelderly Population Have Health Insurance?" Employee Benefit Research Institute (EBRI) Issue Brief 183.
18. Gabel, Jon R., Kelly A. Hunt, and Kimberly M. Hurst. 1998. "When Employers Choose Health Plans: Do NCQA Accreditation and HEDIS Data Count?" The Commonwealth Fund. Washington, DC, August.
19. Gruber, Jonathan, and Bridget Madrian. 2004. "Health Insurance, Labor Supply, and Job Mobility: A Critical Review of the Literature." In Health Policy and the Uninsured, edited by Catherine McLaughlin, 97-178. Washington, DC: Urban Institute Press.
20. Handel, Ben. 2011. "Adverse Selection and Switching Costs in Health Insurance Markets: When Nudging Hurts." NBER Working Paper 17459.
21. Health Research and Educational Trust and Kaiser Family Foundation. 2005. "Employer Health Benefits 2005 Annual Survey." Kaiser Family Foundation. http://www.kff.org/insurance/ehbs-archives.cfm.
22. Hicks, John R. 1939. Value and Capital. Oxford: Clarendon Press.
23. Levin, Jonathan, M. Kate Bundorf, and Neale Mahoney. Forthcoming. "Pricing and Welfare in Health Plan Choice." American Economic Review.
24. Marquis, M. Susan, and Steven H. Long. 2000. "Who Helps Employers Design Their Health Insurance Benefits?" Health Affairs 19 (1): 133-38.
25. Matthews, Merrill. 2006. "Medicare's Hidden Administrative Costs: A Comparison of Medicare in the Private Sector." Council for Affordable Health Insurance. Alexandria, VA, January.
26. Maxwell, James, Peter Temin, and Corey Watts. 2001. "Corporate Health Care Purchasing Among Fortune 500 Firms." Health Affairs 20 (3): 181-88.
27. McFadden, Daniel. 1981. "Econometric Models of Probabilistic Choice." In Structural Analysis of Discrete Data, edited by Charles F. Manski and Daniel McFadden, 198-272. Cambridge, MA: MIT Press.
28. Nevo, Aviv. 2001. "New Products, Quality Changes, and Welfare Measures Computed from Estimated Demand Systems." National Bureau of Economic Research (NBER) Working Paper 8425.
29. Rosenthal, Meredith B., Bruce E. Landon, Sharon-Lise Normand, Richard G. Frank, Thaniyyah S. Ahmad, and Arnold M. Epstein. 2007. "Employers' Use of Value-Based Purchasing Strategies." Journal of the American Medical Association 298 (19): 2281-88.
30. Royalty, Anne Beeson, and Neil Solomon. 1999. "Health Plan Choice: Price Elasticities in a Managed Competition Setting." Journal of Human Resources 34 (1): 1-41.
31. Scanlon, Dennis P. 2002. "The Impact of Health Plan Report Cards on Managed Care Enrollment." Journal of Health Economics 21 (1): 19-41.
32. Swamy, P. A. V. B. 1970. "Efficient Inference in a Random Coefficient Regression Model." Econometrica 38 (2): 311-23.
33. Wedig, Gerard J., and Tai-Seale Ming. 2002. "The Effect of Report Cards on Consumer Choice in the Health Insurance Market." Journal of Health Economics 21 (6): 1031-48.