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The Impact of Market Share on Health Insurance Premiums

机译：市场份额对健康保险保费的影响

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It is usually argued that market concentration leads to higher prices. This well-known proposition has led to concern about the level of concentration in state health-insurance markets, since the largest insurer in many states has a market share greater than 50 %. Moreover, the data compiled by the American Medical Association indicates that insurance markets have become more concentrated over the last ten years. Thus, some have suggested that health insurance premiums would decrease significantly if state markets were made more competitive. This paper explores that proposition through a computational model and an empirical analysis of the relationship between the market share of the largest firm in a state and the average health insurance premium in that state.
机译：通常认为，市场集中导致价格上涨。由于许多州最大的保险公司的市场份额超过50％，因此这一众所周知的主张引起了人们对州健康保险市场集中度的担忧。而且，美国医学会汇编的数据表明，过去十年来保险市场变得更加集中。因此，有人认为，如果使国有市场更具竞争力，健康保险费将大幅度下降。本文通过计算模型和对该州最大公司的市场份额与该州平均健康保险费之间关系的实证分析，探索了这一主张。

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