scholarly journals Subsidies to Employee Health Insurance Premiums and the Health Insurance Market

10.3386/w9567 ◽  
2003 ◽  
Author(s):  
Jonathan Gruber ◽  
Ebonya Washington
Keyword(s):  
Health Insurance ◽  
Employee Health ◽  
Insurance Market ◽  
Insurance Premiums ◽  
Health Insurance Premiums ◽  
Health Insurance Market

scholarly journals Tax Credits, the Distribution of Subsidized Health Insurance Premiums, and the Uninsured

2002 ◽  
Vol 5 (1) ◽  
Author(s):  
Mark V. Pauly ◽  
Bradley Herring ◽  
David Song
Keyword(s):  
Health Insurance ◽  
Representative Sample ◽  
Tax Credits ◽  
Insurance Market ◽  
Tax Credit ◽  
Insurance Premiums ◽  
Health Insurance Premiums ◽  
Low Levels ◽  
The Individual ◽  
The Impact

This paper investigates the impact of a$1,000 refundable tax credit for self-only coverage on net premiums and insurance purchases for a representative sample of potential buyers in the individual insurance market. Two methods are used to estimate the distribution of premiums: predicted premiums based on a sample of actual purchasers, and premium quotations drawn from an e-insurance website. In most of the simulations, the net premiums for half or more of the prospective buyers are reduced to zero or low levels. The number of uninsured is reduced by 21 to 85 percent, depending on the size of the deductible in the benchmark plan. However, the results are sensitive to assumptions about insurer underwriting practices.

scholarly journals RESULTS OF ANALYSIS AND FORECASTING OF THE MAIN FINANCIAL INDICATORS OF THE HEALTH INSURANCE MARKET DEVELOPMENT IN UKRAINE

2019 ◽  
Vol 6 ◽  
pp. 72-82
Author(s):  
Liliia Hala
Keyword(s):  
Health Insurance ◽  
Financial Services ◽  
Insurance Market ◽  
Insurance Companies ◽  
Market Development ◽  
National Commission ◽  
Time Interval ◽  
Financial Indicators ◽  
Insurance Premiums ◽  
Health Insurance Market

In recent years Ukraine against the background of systemic crisis trying to reform socially-oriented areas of society, including voluntary health insurance, which must combine market and social burdens. Under these conditions, an important scientific and practical research is forecasting financial indicators of domestic insurance companies. Aim. Conducting analysis and forecasting of the basic indicators that characterize the financial state of development of the domestic health insurance market. Materials and methods. Research materials were selected from the official websites of the National Commission which carry out state markets regulation of financial services and the League of Insurance Organizations of Ukraine for 2009–2018 years. We used historical, analytical and comparative, systematic, logical, hypothetical-deductive, mathematical and statistical methods. Results. To forecast the financial indicators of the health insurance market in Ukraine (gross insurance premiums and payments; operations transferred to reinsurance, including non-residents; net insurance premiums and payments) for 2019–2020 years; the time interval was set from 2009 year. According to the results of the calculations, we obtained regression models for different financial indicators (6 models). With the help of the selected mathematical tools, the main financial indicators of the market development for 2019–2020 years were forecasted. The analysis of the data revealed that the highest value growth rate (%) in 2020 year will be characteristic of reinsurance operations, including those transferred to non-residents (49.06 %) and the lowest - to gross insurance payments (14,41 %). It is established that the indicator of net insurance payments since 2010 year has been steadily decreasing (from 78.19 %), and according to the forecasted data in 2019 year it may be equal to 46.77 %, and in 2020 year – 44.98 %, the trend will continue to decrease. However, this indicator since 2016 year (53.9 %) and the data forecast for 2019–2020 years are in the regulatory range (from 30.0 % to 60.0 % for different types of insurance activities). Conclusions. According to the results of the research, it is established that in spite of the financial and economic crisis since 2014 year, the domestic health insurance market is characterized by positive dynamics of growth of the main financial indicators (gross insurance premiums and payments, net insurance premiums and payments). At the same time, there is a tendency to decrease the level (%) of net insurance payments indicator from 78.19 % in 2010 year to the forecast in 2020 year – 44.98 %.

scholarly journals Current state of voluntary medical insurance in Ukraine

2021 ◽  
Vol 70 (3) ◽  
pp. 79-88
Author(s):  
M. Myhailyuk ◽  
T. Roman ◽  
Ya. Tanchak
Keyword(s):  
Health Insurance ◽  
Private Insurance ◽  
Medical Insurance ◽  
Insurance Market ◽  
Insurance Companies ◽  
Insurance Premiums ◽  
Voluntary Health Insurance ◽  
Advantages And Disadvantages ◽  
Current State ◽  
Health Insurance Market

The current state of voluntary health insurance in Ukraine is analyzed in this paper. The place of voluntary medical insurance in the insurance market of Ukraine is determined. The essence, purpose, objectives, features, advantages and disadvantages of voluntary health insurance as one of the funding sources for medical sector are considered as well. The programs under which voluntary health insurance is currently implemented are listed, these are mainly personal and corporate ones. The main tendencies are investigated, relative indicators of the functioning level of voluntary health insurance market are calculated. The problems of voluntary health insurance are identified and measures for such insurance development in Ukraine are proposed. Our investigation is devoted, particularly, to the identification of the main problems in the development of voluntary health insurance in Ukraine. The authors investigated the availability of voluntary health insurance for population, analyzed the state of industry reforming in a certain period and substantiated the consequences of the reform impact on the voluntary health insurance market in Ukraine. The dynamics of the health insurance market indicators is analyzed on the basis of the size of gross insurance premiums and payments, as well as the calculated indicator - the insurance payments coefficient. In particular, insurance payments for voluntary health insurance in the regional context, by regions in individual insurance companies for a certain period of time are analyzed. The method of compiling the rating of insurers on the basis of insurance premiums and payments is proposed. It is determined that the level of medical services is growing, as well as the trust in voluntary health insurance in Ukraine. The main problems of the voluntary health insurance system functioning are highlighted and recommendations for improving the quality and availability of health insurance in Ukraine are proposed. These recommendations take into account a set of economic, legal and social factors of the insurance market development. Measures for state authorized bodies and private insurance companies that provide the extension of voluntary health insurance in Ukraine are proposed.

State Approaches to Premium Rate Reforms in the Individual Health Insurance Market

2014 ◽  
Author(s):  
Sabrina Corlette Corlette ◽  
Kevin W. Lucia Lucia ◽  
Justin Giovannelli Giovannelli
Keyword(s):  
Health Insurance ◽  
Insurance Market ◽  
Premium Rate ◽  
Individual Health ◽  
Health Insurance Market ◽  
The Individual

Characteristics of Americans Ages 50 to 64 in the Nongroup Health Insurance Market

2020 ◽  
Author(s):  
Jane Sung ◽  
Olivia Dean ◽  
Asha Saavoss ◽  
Robert Saunders
Keyword(s):  
Health Insurance ◽  
Insurance Market ◽  
Health Insurance Market

Labor Market Concentration and Worker Contributions to Health Insurance Premiums

2021 ◽  
pp. 107755872110129
Author(s):  
Mark K. Meiselbach ◽  
Matthew D. Eisenberg ◽  
Ge Bai ◽  
Aditi Sen ◽  
Gerard F. Anderson
Keyword(s):  
Labor Market ◽  
Health Insurance ◽  
Labor Markets ◽  
Health Plan ◽  
Fixed Effects ◽  
Health Benefits ◽  
Market Concentration ◽  
Medical Expenditure ◽  
Insurance Premiums ◽  
Health Insurance Premiums

In concentrated labor markets, where workers have fewer employers to choose from, employers may exploit their monopsony power by contributing less to workers’ health benefits. This study examined if labor market concentration was associated with higher worker contributions to health plan premiums. We combined publicly available data from the Census to calculate labor market concentration and the Medical Expenditure Panel Survey Insurance/Employer Component to determine premium contributions from 2010 to 2016 for metropolitan areas. After controlling for year fixed-effects and market characteristics, we found that higher labor market concentration was associated with higher worker contributions to health plan premiums, lower take-home income, and no change in employer contributions to premiums, consistent with the hypothesis that greater labor market concentration is associated with less generous health benefits. When evaluating the effects of mergers and acquisitions on labor markets, regulatory agencies should critically assess worker contributions to health insurance premiums.

The Role Of The Individual Health Insurance Market And Prospects For Change

2004 ◽  
Vol 23 (6) ◽  
pp. 79-90 ◽  
Author(s):  
Melinda Beeuwkes Buntin ◽  
M. Susan Marquis ◽  
Jill M. Yegian
Keyword(s):  
Health Insurance ◽  
Insurance Market ◽  
Individual Health ◽  
Health Insurance Market ◽  
The Individual
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