Workers on the margin: who drops health coverage when prices rise?


Okeke, EN; Hirth, RA; Grazier, K; (2010) Workers on the margin: who drops health coverage when prices rise? Inquiry, 47 (1). pp. 33-47. ISSN 0046-9580 DOI: https://doi.org/10.5034/inquiryjrnl_47.01.33

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Abstract

We revisit the question of price elasticity of employer-sponsored insurance (ESI) take-up by directly examining changes in the take-up of ESI at a large firm in response to exogenous changes in employee premium contributions. We find that, on average, a 10% increase in the employee's out-of-pocket premium increases the probability of dropping coverage by approximately 1%. More importantly, we find heterogeneous impacts: married workers are much more price-sensitive than single employees, and lower-paid workers are disproportionately more likely to drop coverage than higher-paid workers. Elasticity estimates for employees below the 25th percentile of salary distribution in our sample are nearly twice the average.

Item Type: Article
Faculty and Department: Faculty of Public Health and Policy > Dept of Global Health and Development
PubMed ID: 20464953
Web of Science ID: 277640300004
URI: http://researchonline.lshtm.ac.uk/id/eprint/3745

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