TY  - JOUR
AU  - Buchmueller,Thomas C.
TI  - Health Insurance Reform and HMO Penetration in the Small Group Market
JF  - National Bureau of Economic Research Working Paper Series
VL  - No. 11446
PY  - 2005
Y2  - June 2005
UR  - http://www.nber.org/papers/w11446
L1  - http://www.nber.org/papers/w11446.pdf
N1  - Author contact info:
Thomas C. Buchmueller
Stephen M. Ross School of Business
University of Michigan
701 Tappan
Ann Arbor, MI 48109
Tel: 734/764-5933
E-Mail: tbuch@bus.umich.edu
M2  - featured in NBER digest on 2005-06-27
AB  - We use data from several national employer surveys conducted between the late 1980s and the mid-1990s to investigate the effect of state-level underwriting reforms on HMO penetration in the small-group health insurance market.  We identify reform effects by exploiting cross-state variation in the timing and content of reform legislation and by using mid-sized and large employers, which were not affected by the legislation, as within-state control groups.  While it is difficult to disentangle the effect of state reforms from other factors affecting HMO penetration in the small group markets, the results suggest a positive relationship between insurance market regulations and HMO penetration.
ER  -