NATIONAL BUREAU OF ECONOMIC RESEARCH
NATIONAL BUREAU OF ECONOMIC RESEARCH
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More Insurers Lower Premiums: Evidence from Initial Pricing in the Health Insurance Marketplaces

Leemore Dafny, Jonathan Gruber, Christopher Ody

NBER Working Paper No. 20140
Issued in May 2014, Revised in September 2014

---- Acknowledgments ----

We are grateful for helpful comments from the editor, referees, Joseph Doyle, Keith Ericson, Amanda Starc, and seminar participants at Indiana University, the Boston University/Harvard/MIT Health Economics Seminar, and the Health Economics Workshop at the University of Chicago. The views expressed herein are those of the authors and do not necessarily reflect the views of the National Bureau of Economic Research.

---- Disclosure of Financial Relationships for Leemore Dafny ----

I have at various points in the past three years served as a litigation consultant on antitrust cases in the health insurance industry. I have been compensated for this work by state and federal agencies, as well as by economic consulting firms.

Over the past three years, I have served as a compensated strategic consultant to a large multispecialty physician organization.

I am an academic affiliate of Bates White, an economic consultancy headquartered in Washington, D.C.

---- Disclosure of Financial Relationships for Jonathan Gruber ----

Jonathan Gruber is a member of the Commonwealth Health Connector Board that was responsible for setting the policies studied in this research.

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