Assessing the Impact of Regulation on Individual Health Insurance Markets


Despite evidence that individual health insurance provides less protection and often costs far more than group policies, policymakers are considering changes that could lead to an increase in the number of Americans dependent on individual coverage. Most states have put into place at least some regulations to address concerns about the limitations of individual insurance policies, yet little is known about how well the regulations work. This project will examine individual insurance markets in five states to determine how regulations and market structures affect those seeking coverage. The goal will be to provide policymakers, regulators, and advocates with a better understanding of the limitations and potential of state policies to create and maintain effective individual health insurance markets, along with implications for federal policy.

Grant Details

Grantee Organization:
Harvard University
Principal Investigator:
Nancy C. Turnbull, M.B.A.
Award Amount:
Approval Date:
July 9, 2002

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