How do state health insurance regulations affect the price of high-deductible policies?

A paper by Kowalski, Congdon and Showalter (2009) examines how state health insurance regulations affect the price of health insurance.  The four regulations are the following: Community rating regulations limit premium differences across policies.  The most stringent form requires insurers to offer the same premium to every individual, regardless of age, gender, or health status.…

The Four-Party System

Who does health care reform affect?  Charles Kroncke and Ronald White organize individuals into the following four major stakeholder groups: First-party patients.  The patients who seek care. Second-party providers.  These include hospitals,  physicians, nurses, physical therapists, dentists, and pharmaceutical companies. Third-party payers.  The payers are generally either private insurance companies or government programs such as…

Certificate of Need Laws and Cardiac Surgery

Certificate of Need (CON) were enacted in order to try to stem the wave of increasing health care costs. In order for hospitals or other providers to expand or build a new facility, CON requires these organizations to get prior government approval. The logic was that when providers expanded medical facilities, supplier-induced demand would increase…