Tax Credits, the Distribution of Subsidized Health Insurance Premiums, and the Uninsured

Topics:
Insurance
Tags:
Business Operations,
Tax Credit,
Premium,
Insurance,
Health Insurance,
Health Care,
Free Trade,
Financial Planning,
Finance,
Corporate Insurance,
...
Source:
National Bureau of Economic Research

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Overview: This paper investigates the impact of a $1000 refundable tax credit for self-only coverage on net premiums and insurance purchases for a representative sample of potential buyers in the individual insurance market. Two methods are used to estimate the distribution of premiums: predicted premiums based on a sample of actual purchasers, and premium quotations drawn from an e-insurance web site. In most of the simulations, the net premiums for half or more of the prospective buyers are reduced to zero or low levels. The number of uninsured is reduced by between 21 percent and 85 percent depending on the size of the deductible in the benchmark plan.

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Format: PDF | Size: 141KB | Date: Sep 2001 | Pages: 30

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