The effect of state health insurance benefit mandates on premiums and employee contributions

Bailey, James; Blascak, Nathan

doi:10.1080/13504851.2015.1130786

Cited by 11 publications

(8 citation statements)

References 8 publications

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“…Interestingly, the number of uninsured admissions also increases by 184 (or 34%), possibly indicating that the premium increase associated with the more generous benefits may lead some patients to drop coverage (French, Maclean, and Popovici 2017;Bailey and Blascak 2016;Bailey 2014). The estimated effects of mandates on public insurance admissions are of similar size but less precisely estimated.…”

Section: Resultsmentioning

confidence: 99%

“…Finally, increases in premiums following a parity law adoption may lead some beneficiaries to drop private coverage (French, Maclean, and Popovici 2017;Bailey and Blascak 2016;Bailey 2014). Further, if public insurance expansions crowd out private coverage (Cutler and Gruber 1996), some patients will drop the more costly private insurance and take up the less costly public insurance which should increase use.…”

Section: Conceptual Frameworkmentioning

confidence: 99%

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Insurance Expansions and Children’s Use of Substance Use Disorder Treatment

Hamersma

Maclean²

2018

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We provide the first evidence on the effects of expansions to private and public insurance programs on children's use of specialty substance use disorder (SUD) treatment. We combine administrative government data over the period 1996 to 2017 with quasi-experimental differences-in-differences methods to study this question. Expansions of the private marketlaws that compel insurers to cover SUD treatment services as parity with general healthcareincrease admissions by 21%. Increases in admissions are driven by patients with private coverage and receiving outpatient care. The number of admissions of patients with no insurance also increases following parity law adoption. There is mixed evidence on changes in admissions following a public insurance expansion that increases the income eligibility thresholds for Medicaid and the Children's Health Insurance Program.

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Section: Resultsmentioning

confidence: 99%

Section: Conceptual Frameworkmentioning

confidence: 99%

Insurance Expansions and Children’s Use of Substance Use Disorder Treatment

Hamersma

Maclean²

2018

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“…Presumably those individuals who take up private insurance to access SUD benefits have, on average, more severe SUDs than the previously privately insured (i.e., adverse selection). Similarly, some previously insured patients may opt to drop coverage due to increased premiums (Bailey, 2014;Bailey & Blascak, 2016). Such phenomena can bias regression coefficients.…”

Section: Changes In Insurance Compositionmentioning

confidence: 99%

Health Insurance and Traffic Fatalities: The Effects of Substance Use Disorder Parity Laws

Popovici¹,

Maclean²,

French³

2017

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“…In 2012, there were more than 2000 state health mandates (Laudicina, Gardner, and Holland, 2013) (see Figure 1 and Figure 2). 11 The state health mandates increase the health insurance premiums that employers pay for employees (Gruber, 1994b;Bailey and Blascak, 2016). But at the same time now employees are better covered and value current employment more.…”

Section: State High Cost Mandatesmentioning

confidence: 99%

“…During our sample period, mandate-free basic health insurance policy costs a family about $3,500 a year. The estimated range of additional costs of each mandate was: alcohol abuse treatment ($35-$105), illicit drug abuse treatment(<$35), mental health treatment($175-$350), chiropractors ($35-$105) Bailey and Blascak (2016). finds that the average mandate significantly increases employer premiums by about 1%.6 Note that these mandates are restrictions on private insurers i.e., if insurance was sold in the state, it had to include coverage for the legislated provider type, service, or subscriber cohort.…”

mentioning

confidence: 99%