When both access and rating reforms are present, magnitude of effects were fully offsetting. Individual market GI and rating reforms were associated with lower rates of coverage overall. Results related to private coverage were consistent but weak. Presence of an open high risk pool increased coverage. Lessons from the States.
Community rating increases insurance offer rates.
The presence of any reform increases offer rates among young single workers, but reduces offer rates among high-risk groups. Small Group Reform and Insurance Provision by Small Firms, 1989-1995. Pooled cross-sections totaled 2,472 unique businesses with fewer than 50 employees, from 1989 to 1995. Analysis omitted rate reform from the specific regulation analysis to resolve multicollinearity. Effect was insignificant for firms of 1-9.