Consumers Buy Lower-Cost Plans On Covered California, Suggesting Exposure To Premium Increases Is Less Than Commonly Reported

Author:

Gabel Jon R.1,Arnold Daniel R.2,Fulton Brent D.3,Stromberg Sam T.4,Green Matthew5,Whitmore Heidi6,Scheffler Richard M.7

Affiliation:

1. Jon R. Gabel ( ) is a senior fellow at NORC in Bethesda, Maryland.

2. Daniel R. Arnold is a graduate student researcher at the University of California, Berkeley, and a doctoral student in economics at the University of California, Santa Barbara.

3. Brent D. Fulton is an assistant adjunct professor and the associate director of the Nicholas C. Petris Center on Health Care Markets and Consumer Welfare at the School of Public Health, University of California, Berkeley.

4. Sam T. Stromberg is a senior research analyst at NORC in Bethesda.

5. Matthew Green is a senior research analyst at NORC in Chicago, Illinois.

6. Heidi Whitmore is a principal research scientist at NORC in Plymouth, Minnesota.

7. Richard M. Scheffler is a distinguished professor of health economics and public policy at the School of Public Health and the Richard and Rhoda Goldman School of Public Policy, and director of the Nicholas C. Petris Center on Health Care Markets and Consumer Welfare at the School of Public Health, all at the University of California, Berkeley.

Publisher

Health Affairs (Project Hope)

Subject

Health Policy

Reference4 articles.

1. Because of the effect of the finite multiplier, standard errors become 0 when analyzing the universe of enrollees. The finite multiplier is (1-n/N). So if n = N, then the product of the finite multiplier and the standard error becomes 0. See Hansen M , Hurwitz W , Madow W . Sample survey methods and theory: volume I: methods and application . New York (NY) : John Wiley and Sons Inc. ; 1953 . p.  123 .

2. Adverse Selection and Inertia in Health Insurance Markets: When Nudging Hurts

3. Consumer Inertia and Firm Pricing in the Medicare Part D Prescription Drug Insurance Exchange

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