What Impact HIPAA? State Regulation and Private Health Insurance Coverage Among Adults.. The impact of regulation on individual coverage


Unlike our results among adults in the small-group market, guaranteed issue of all products in the individual market reduced the likelihood of individual coverage — by about 9 percentage points, all else being equal. However, the statistical significance of this relationship was weak. No other measure of regulation (including guaranteed renewal, narrower constraints on rating or shortened preexisting condition exclusions) significantly affected coverage.