The Impact of Access Regulation on Health Insurance Market Structure. Table 3: Number of States with Health Rate Bands in Effect, 1995-1999

10/20/2000

  1995 1996 1997 1998 1999
Small Group Market
Prohibited 9 10 11 13 13
1.1-1.9:1 28 28 28 25 27
2.0-2.9:1 5 6 5 6 5
3.0-3.9:1 0 0 0 0 0
4.0-4.9:1 0 0 0 0 0
5.0-5.9:1 1 1 1 1 1
No Law 7 5 5 5 4
Total (n) 50 50 50 50 50
Individual Market
Prohibited 6 8 9 10 9
1.1-1.9:1 4 6 5 5 5
2-2.9:1 0 0 1 1 2
3.0-3.9:1 0 0 0 0 0
4.0-4.9:1 0 0 0 0 0
5.0-5.9:1 0 0 0 0 0
No Law 40 36 35 34 34
Total (n) 50 50 50 50 50