What Impact HIPAA? State Regulation and Private Health Insurance Coverage Among Adults.. Individual coverage

10/20/2000

We estimate similar specifications of the same general model to measure the impacts of state regulation of individual insurance on coverage among adults without coverage either from an employer or a public program. These are as follow:

(4) INDIVist = f (IMARKETst, SOCIOECONist, STATE, YEAR),

where INDIV is private (non-employer) coverage; MARKET is a vector of variables that reflect individual (nongroup) market structure; and SOCIOECON, STATE and YEAR are defined as above.

(5) INDIVist = f (IMARKETAst, REGULATIONst, SOCIOECONist, STATE, YEAR),

where IMARKETA is a vector of variables that control for dimensions of individual market structure (HMO market share and average commercial insurer loss ratios) that were insensitive to regulation in our earlier results; and SOCIOECON, STATE and YEAR are defined as above.

(6) INDIVist = f (MARKETst, REGULATIONst, SOCIOECONist, STATE, YEAR),

where all vectors are as defined above.

We estimate all models using current-year measures of regulation, market structure and coverage.10 Descriptive statistics of all variables are provided in Appendix 2 and 3.