The Effect of Health Insurance on Individuals’ Health Status

(1) The Effect of Health Insurance on Individuals’ Health Status
(2) Brief Overview of Private Health Insurance Markets: Employer Sponsored
Insurance (ESI) and the Individual Market
(3) Health Plan Choice
(4) Insurance Market Competition: Now and in 2014
Lesson Objectives:
(1) To summarize the effect of insurance on health status.
(2) To identify the advantages and disadvantages of ESI versus individual coverage
for the non-elderly population
(3) To understand the concepts of asymmetric information and adverse selection as it
relates to demand for health insurance.
(4) To identify the factors associated with workers’ access to ESI.
(5) To discuss how U.S. tax policy encourages ESI provision.
(6) To define what is meant by a loading fee and to understand how it varies within
the ESI market.
(7) To explain the impact of medical loss ratio regulation on insurance markets.
(8) To explain the difference between experience rating and community rating.
FGS 11
Levy and Meltzer, “The Impact of Health Insurance on Health.” Annual Review of Public
Health, 2008, 29: 399-409.
Abraham, DeLeire & Royalty, “Access to Health Insurance at Small Establishments: What
Can We Learn from Analyzing Other Fringe Benefits?” Inquiry, Fall 2009, 46: 253-273.
“Tax subsidies for private health insurance: Who benefits and at what cost?”
*Krueger and Kuziemko, “The Demand for Health Insurance Among Uninsured
Americans: Results of a Survey Experiment and Implications for Policy.” NBER Working
Paper, #16978.
Supplemental Resources:
“A Primer on Tax Subsidies for Health Care.” KaiserEDU tutorial: Accessed at:
Marquis, M. et al. “The Role of Product Design in Consumers’ Choices in the Individual
Insurance Market.” Health Services Research, December 2007, 42(6), Part 1: 2194-
Karaca-Mandic P., Abraham J., Phelps C. “How do Health Insurance Loading Fees Vary
by Group Size?: Implications for Healthcare Reform” International Journal of Health Care
Finance and Economics, 2011, 11(3): 181-207.
Kaiser Family Foundation Employer Health Benefits Survey, 2012. Accessed at:

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