Have Small-Group Health Insurance Purchasing Alliances Increased Coverage?
- 1 January 2001
- journal article
- research article
- Published by Health Affairs (Project Hope) in Health Affairs
- Vol. 20 (1) , 154-163
- https://doi.org/10.1377/hlthaff.20.1.154
Abstract
We use data from 1993 and 1997 employer surveys to assess whether the three largest statewide small-group health insurance purchasing alliances—in California, Connecticut, and Florida—increased coverage in small business. They did not. Specifically, they did not reduce small-group market health insurance premiums, premiums, and they did not raise small-business health insurance offer rates. We explore and discuss some reasons why. Alliances do permit employers to offer much greater choice in the number and types of plans; employees are found to take advantage of this wider choice.Keywords
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