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Consumer Decision Making In The Individual Health Insurance Market
Health Affairs (2006)
  • M. Susan Marquis
  • Melinda Beeuwkes Buntin
  • José J. Escarce
  • Kanika Kapur
  • Thomas A. Louis
  • Jill M. Yegian

This paper summarizes the results from a study of consumer decision making in California’s individual health insurance market. We conclude that price subsidies will have only modest effects on participation and that efforts to reduce nonprice barriers might be just as effective. We also find that there is substantial pooling in the individual market and that it increases over time because people who become sick can continue coverage without new underwriting. Finally, we show that people prefer more-generous benefits and that it is difficult to induce people in poor health to enroll in high-deductible health plans.

Publication Date
May, 2006
Citation Information
M. Susan Marquis, Melinda Beeuwkes Buntin, José J. Escarce, Kanika Kapur, et al.. "Consumer Decision Making In The Individual Health Insurance Market" Health Affairs Vol. 25 (2006)
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