Replication data for: Are Health Insurance Markets Competitive?
Principal Investigator(s): View help for Principal Investigator(s) Leemore S. Dafny
Version: View help for Version V1
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Project Citation:
Dafny, Leemore S. Replication data for: Are Health Insurance Markets Competitive? Nashville, TN: American Economic Association [publisher], 2010. Ann Arbor, MI: Inter-university Consortium for Political and Social Research [distributor], 2019-10-11. https://doi.org/10.3886/E112365V1
Project Description
Summary:
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To gauge the competitiveness of the group health insurance industry, I investigate whether health insurers charge higher premiums, ceteris paribus, to more profitable firms. Such "direct price discrimination" is feasible only in imperfectly competitive settings. Using a proprietary national database of health
plans offered by a sample of large, multisite firms from 1998-2005, I find firms with positive profit shocks subsequently face higher premium growth, even for the same health plans. Moreover, within a given firm, those sites located in concentrated insurance markets experience the greatest premium increases. The findings suggest health care insurers are exercising market power in an increasing number of geographic markets. (JEL G22, I11, I18, L11, L25)
Scope of Project
JEL Classification:
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G22 Insurance; Insurance Companies; Actuarial Studies
I11 Analysis of Health Care Markets
I18 Health: Government Policy; Regulation; Public Health
L11 Production, Pricing, and Market Structure; Size Distribution of Firms
L25 Firm Performance: Size, Diversification, and Scope
G22 Insurance; Insurance Companies; Actuarial Studies
I11 Analysis of Health Care Markets
I18 Health: Government Policy; Regulation; Public Health
L11 Production, Pricing, and Market Structure; Size Distribution of Firms
L25 Firm Performance: Size, Diversification, and Scope
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