Taking up or turning down: new estimates of household demand for employer-sponsored health insurance.

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Abstract

This study provides new estimates of demand for employer-sponsored health insurance, using the 1997-2001 linked Household Component-Insurance Component of the Medical Expenditure Panel Survey (MEPS). Our focus is on households' decisions to take up coverage through a worker's employer. We found a significant inverse relationship between the out-of-pocket premium and the probability of taking up coverage, with the price effect considerably larger when we used instrumental variables methods to account for endogenous out-of-pocket premiums. Additionally, workers in families with more children eligible for Medicaid were less likely to take up coverage.

Original languageEnglish (US)
Pages (from-to)17-32
Number of pages16
JournalInquiry : a journal of medical care organization, provision and financing
Volume47
Issue number1
DOIs
StatePublished - Feb 2010

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