THE DEMAND FOR INDIVIDUAL INSURANCE Evidence from a Private Online Marketplace

Conor Ryan, Roger Feldman, Stephen Parente

Research output: Contribution to journalArticlepeer-review

1 Scopus citations

Abstract

We use a novel data set from a private online marketplace to estimate the demand for individual health insurance among a set comprising many high-income households across 18 states. Households earning more than four times the federal poverty level (FPL) are willing to pay $30 to $135 per month to increase the actuarial value of their insurance by 10 percentage points, much less than households earning less than 2.5 times FPL. Higher-income households are also less likely to forgo insurance because of a premium increase. These results are important for understanding the effect of health reform proposals targeting higher-income populations.

Original languageEnglish (US)
Pages (from-to)275-299
Number of pages25
JournalAmerican Journal of Health Economics
Volume8
Issue number2
DOIs
StatePublished - Mar 1 2022

All Science Journal Classification (ASJC) codes

  • Economics, Econometrics and Finance (miscellaneous)
  • Health Policy
  • Public Health, Environmental and Occupational Health

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