Title: Health insurance reform and HMO penetration in the small group market
Description: "We use data from several national employer surveys conducted between the late 1980s and the mid-1990s to investigate the effect of state-level underwriting reforms on HMO penetration in the small-group health insurance market.  We identify reform effects by exploiting cross-state variation in the timing and content of reform legislation and by using mid-sized and large employers, which were not affected by the legislation, as within-state control groups.  While it is difficult to disentangle the effect of state reforms from other factors affecting HMO penetration in the small group markets, the results suggest a positive relationship between insurance market regulations and HMO penetration"--National Bureau of Economic Research web site.
Subjects: Health Insurance, Health maintenance organizations, States, Health insurance
Places: United States