The Impact of Access Regulation on Health Insurance Market Structure. Market Structure


The following sections review the structure of health insurance markets in the states and the changes that occurred in those markets between 1995 and 1997. These observations of the states’ group and individual markets underlie our subsequent analysis of regulatory impacts. A more detailed description of these markets is provided elsewhere (Chollet, Kirk and Chow, forthcoming). The data presented below are from the Alpha Center Health Insurer Database compiled with grant funding from the Robert Wood Johnson Foundation; the compilation of these data is described in detail in Appendix 1. The data include 49 states and the District of Columbia; they exclude Hawaii, which does not require HMOs to report their business.