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The spillover effects of health insurance benefit mandates on public insurance coverage: Evidence from veterans

机译:健康保险福利规定对公共保险覆盖范围的溢出效应:退伍军人的证据

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摘要

This study examines how regulations in private health insurance markets affect coverage of public insurance. We focus on mental health parity laws, which mandate private health insurance to provide equal coverage for mental and physical health services. The implementation of mental health parity laws may improve a quality dimension of private health insurance but at increased costs. We graphically develop a conceptual framework and then empirically examine whether the regulations shift individuals from private to public insurance. We exploit state-by-year variation in policy implementation in 1999-2008 and focus on a sample of veterans, who have better access to public insurance than non -veterans. Using data from the Current Population Survey, we find that the parity laws reduce employer-sponsored insurance (ESI) coverage by 2.1% points. The drop in ESI is largely offset by enrollment gains in public insurance, namely through the Veterans Affairs (VA) benefit and Medicaid/Medicare programs. (C) 2017 Elsevier B.V. All rights reserved.
机译:本研究探讨了私人健康保险市场中的法规如何影响公共保险的覆盖面。我们专注于精神健康均等法律,该法律强制要求私人健康保险为精神和身体健康服务提供平等的覆盖范围。实施精神健康均等法律可能会改善私人健康保险的质量范围,但会增加成本。我们以图形方式开发了一个概念框架,然后根据经验检查了法规是否将个人从私人保险转移到了公共保险。我们利用1999-2008年政策执行情况的逐年差异,并重点研究了一些老兵,他们比非老兵更容易获得公共保险。使用当前人口调查的数据,我们发现平价法将雇主赞助的保险(ESI)覆盖率降低了2.1%。 ESI的下降在很大程度上被公共保险注册人数的增加所抵消,即通过退伍军人事务(VA)福利和Medicaid / Medicare计划。 (C)2017 Elsevier B.V.保留所有权利。

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