What Impact HIPAA? State Regulation and Private Health Insurance Coverage Among Adults.. Table 1

10/20/2000

VARIABLE DEFINITIONS

Group market characteristics G_NUMINS Number of insurers in the market
G_TOPFIVE Share of business accounted for by top 5 firms (percent)
G_HMO Share of business accounted for by HMOs
G_COM Share of business accounted for by commercial companies
G_COMLR Average commercial loss ratio
Individual market characteristics I_NUMINS Number of insurers in the market
I_TOPFIVE Share of business accounted for by top 5 firms (percent)
I_HMO Share of business accounted for by HMOs
I_COMM Share of business accounted for by commercial companies
I_COMLR Average commercial loss ratio
State characteristicsa POPMIL State population, in millions
Small group market regulation GISOMALL Guaranteed issue of some or all plans (dummy)
G_ALL Guaranteed issue of all plans (dummy)
G_RATEH Interaction of all product guaranteed issue and rate band for health (continuous variable)
G_RATEA Interaction of all product guaranteed issue and rate band for age (continuous variable)
G_RATEC Interaction of all product guaranteed issue and composite rate band (continuous variable)
G_PREEX Waiting period for coverage of preexisting conditions, in months
G_HEALTH Rate band on health (continuous variable)
G_AGE Rate band on age (continuous variable)
G_COMP Composite rate band (continuous variable)
GR Guaranteed renewal (dummy)
Individual market regulation I_SOMALL Guaranteed issue of some or all plans (dummy)
I_GIALL Guaranteed issue of all plans (dummy)
I_GR Guaranteed renewal (dummy)
RISKDUM High risk pool (dummy)
I_COMP Composite rate band (continuous variable)
I_HEALTH Rate band on health (continuous variable)
I_AGE Rate band on age (continuous variable)
I_PREEX Waiting period for coverage of preexisting conditions, in months
Sociodemographic and employment characteristics AGEYR Age in years
AGEYR2 Age squared
FAMINC Family income (in $10,000s)
FAMINC2 Family income squared
GEWAGE Wage of greatest earner (in $10,000s)
GEWAGE2 Wage of greatest earner squared
GEFT Greatest earner works full time
GSELFEM Greatest earner is self employed
IND1 Greatest earner works in agriculture
IND2 Greatest earner works in mining
IND3 Greatest earner works in construction
IND4 Greatest earner works in durable manufacturing
IND5 Greatest earner works in nondurable manufacturing
IND6 Greatest earner works in public utilities
IND7 Greatest earner works in wholesale trade
IND8 Greatest earner works in retail trade
IND9 Greatest earner works in finance, insurance and real estate
IND10 Greatest earner works in business and repair service
IND11 Greatest earner works in personal services — household
IND12 Greatest earner works in entertainment and recreation services
OCC1 Greatest earner works as an executive, administrative or managerial worker
OCC2 Greatest earner works in a professional specialty
OCC3 Greatest earner works as a technician and/or related support
OCC4 Greatest earner works in sales
OCC5 Greatest earner works in administrative support, including clerical
OCC6 Greatest earner works in a private household
OCC7 Greatest earner works in a protective service
OCC8 Greatest earner works in a service, except protective and household
OCC9 Greatest earner works in farming, forestry and/or fishing
OCC10 Greatest earner works in precision production, craft and repair
OCC11 Greatest earner works as a machine operator, assembler, and/or inspector
OCC12 Greatest earner works in transport and material moving equipment
FAMCHILD Child under age 18 in family
EDUC1 Greatest earner completed less than 7th grade
EDUC2 Greatest earner completed 7th or 8th grade
EDUC3 Greatest earner completed 9th grade
EDUC4 Greatest earner completed 10th grade
EDUC5 Greatest earner completed 11th grade
EDUC6 Greatest earner completed 12th grade
EDUC7 Greatest earner completed some college
EDUC8 Greatest earner a college graduate, no graduate education
FEMALE Female
FMARRIED Married female
FWIDDIV Wiowed or divorced female
FSEP Separated female
MARRIED Married
WIDDIV Widowed or divorced
SEP Separated
WHITE White
BLACK Black
ASIAN Asian
HEA1 Excellent health
HEA2 Very good health
HEA3 Good health
HEA4 Fair health
SIZE2 Greatest earner works in firm with 10-25 workers
SIZE3 Greatest family earner works in firm with 25-99 workers
Year fixed effects YEAR96 1996 CPS
YEAR97 1997 CPS
a - All specifications of the model also include state dummy variables.