publication . Report . Article . Preprint . 1992

State Mandated Benefits and Employer Provided Health Insurance

Jonathan Gruber;
Open Access
  • Published: 01 Dec 1992
  • Publisher: National Bureau of Economic Research
Abstract
One popular explanation for this low rate of employee coverage is the presence of numerous state regulations which mandate that group health insurance plans must include certain benefits. By raising the minimum costs of providing any health insurance coverage, these mandated benefits make it impossible for firms which would have desired to offer minimal health insurance at a low cost to do so. I use data on insurance coverage among employees in small firms to investigate whether this problem is an important cause of employee non-insurance. I find that mandates have little effect on the rate of insurance coverage; this finding is robust to a variety of specificat...
Subjects
free text keywords: Economics and Econometrics, Finance, Casualty insurance, General insurance, Microeconomics, Economics, Public economics, Actuarial science, Insurance law, Liability insurance, Insurance policy, Auto insurance risk selection, Self-insurance, Group insurance
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publication . Report . Article . Preprint . 1992

State Mandated Benefits and Employer Provided Health Insurance

Jonathan Gruber;