The US health insurance market after the Affordable Care Act
Abstract/Contents
- Abstract
- The recent nation-wide health reform --- Patient Protection and Affordable Care Act, or simply ACA --- drastically altered the functioning of the health insurance industry in the US, opening many questions about how the system should be designed and regulated. While previous literature largely focused on health insurance provided through public programs or employer-sponsored insurance, in this dissertation I study the health coverage provision for outsiders: the twenty-one percent of the US population who as of 2013 were not offered insurance through their job, were not covered by the government, and yet did not purchase coverage in the so-called individual market. After the ACA, market institutions were largely redesigned with attention to this group, and policymakers are still dealing with great uncertainty about the efficacy of the new system and its costs for taxpayers in future years. In this context, my research advances our knowledge in two directions. On the one hand I provide empirical results of immediate policy relevance; on the other, I develop economic and statistical models to be used in this novel institutional environment. I consider three of the main channels through which, since 2014, the government affects the individual market for health insurance. First, state authorities determine how the geography of the state is divided in the local geographic markets in which insurers can participate and compete. Second, the ACA limits premium adjustments based on age or other observable characteristics of buyers. Third, the Federal government provides a large premium subsidy for all buyers whose income is between 133 and 400% of the Federal povery level. My dissertation contains three chapters, each of them analyzing the interaction of these three policies with the incentives of private health insurers.
Description
| Type of resource | text |
|---|---|
| Form | electronic; electronic resource; remote |
| Extent | 1 online resource. |
| Publication date | 2016 |
| Issuance | monographic |
| Language | English |
Creators/Contributors
| Associated with | Tebaldi, Pietro |
|---|---|
| Associated with | Stanford University, Department of Economics. |
| Primary advisor | Einav, Liran |
| Thesis advisor | Einav, Liran |
| Thesis advisor | Bresnahan, Timothy F |
| Thesis advisor | Duggan, Mark |
| Thesis advisor | Jackson, Matthew O |
| Advisor | Bresnahan, Timothy F |
| Advisor | Duggan, Mark |
| Advisor | Jackson, Matthew O |
Subjects
| Genre | Theses |
|---|
Bibliographic information
| Statement of responsibility | Pietro Tebaldi. |
|---|---|
| Note | Submitted to the Department of Economics. |
| Thesis | Thesis (Ph.D.)--Stanford University, 2016. |
| Location | electronic resource |
Access conditions
- Copyright
- © 2016 by Pietro Tebaldi
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