The impact of the health insurance market on small firm employment

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Show simple item record Kapur, Kanika 2008-07-01T14:18:59Z 2008-07-01T14:18:59Z Copyright Journal of Risk and Insurance, 2004 en 2004
dc.identifier.citation Journal of Risk and Insurance en
dc.identifier.issn 0022-4367
dc.description.abstract Small firms that offer health insurance to their employees may face variable premiums if they hire employees with high expected health costs. To avoid expensive premium variability, small firms may attempt to maintain a workforce with low expected health costs. This results in employment distortions. I examine the magnitude of these employment distortions using the 1987 National Medical Expenditure Survey and the 1996 Medical Expenditure Panel Survey. Based on the underwriting behavior of insurance companies in 1988, I classify medical conditions into three categories: conditions that led to denial of coverage; conditions that led to exclusion restrictions; and, conditions that led to higher premiums. In 1987, I find that insured small firms were less likely to employ workers with families that had conditions that led to higher premiums than insured large firms. However, in 1996, possibly due to the passage of small group health insurance reforms that restrict insurers' ability to exclude or deny coverage, insured small firms were less likely to employ workers with denial conditions compared to insured large firms. These results suggest that the pattern of employment distortions in insured small firms is consistent with the evolving small group health insurance market. en
dc.description.sponsorship The Agency for Health Care Policy and Research, grant number R03 HS09333 en
dc.format.extent 4640 bytes
dc.format.mimetype application/pdf
dc.language.iso en en
dc.publisher Blackwell en
dc.rights.uri Publisher's copyright policy en
dc.rights.uri en
dc.subject.lcsh Small business en
dc.subject.lcsh Insurance, Health--Premiums en
dc.subject.lcsh Employees--Health and hygiene en
dc.title The impact of the health insurance market on small firm employment en
dc.type Journal Article en
dc.internal.authorurl Kanika Kapur (web page) en
dc.internal.authorurl en
dc.internal.authorcontactother Email:; Tel: 353 1 716 4624 en
dc.internal.authorid UCD0012 en
dc.internal.availability Full text not available en
dc.internal.webversions Publisher's version en
dc.internal.webversions en
dc.status Peer reviewed en
dc.identifier.volume 71 en
dc.identifier.issue 1 en
dc.identifier.startpage 63 en
dc.identifier.endpage 90 en
dc.identifier.doi 10.1111/j.0022-4367.2004.00079.x
dc.neeo.contributor Kapur|Kanika|aut|UCD0012

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