Health insurance market reform and employee compensation: The case of pure community rating in New York

• 成果类型: Article
• 署名作者: Adams, Scott
• 署名单位: University of Wisconsin System; University of Wisconsin Milwaukee
• 刊物名称: JOURNAL OF PUBLIC ECONOMICS
• ISSN/ISSBN: 0047-2727
• DOI: 10.1016/j.jpubeco.2006.09.010
• 发表日期: 2007
• 页码: 1119-1133
• 关键词: Health insurance; regulation; wages

摘要

Pure community rating, which was enacted to improve access to health insurance in New York's small group market in 1993, prevents carriers from charging different premiums based on the ages of a firm's workers. If small firms were adjusting compensation packages prior to reform to offset higher health care costs of older workers, then community rating could lead to greater relative wages for older workers post reform and not necessarily induce adverse selection that results in changes in who is insured. I present evidence showing that relative wages of older workers in small firms increased in comparison with other states and with large firms within New York following reform. (c) 2006 Elsevier B.V. All rights reserved.