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Title

Adverse Selection into and within the Individual Health Insurance Market in California in 2014 (Health Services Research)

Publication Topics

California Health Interview Survey; 2014 California Health Interview Survey (CHIS 2014); Health Insurance Coverage and Programs; Health Care Economics; Cost and Utilization Studies; Costs of Care for the Uninsured; Health Care Reform

Publication Type

CHIS Journal Article

Publication Date

2018-05-17T07:00:00Z

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<a onclick="OpenPopUpPage('http://healthpolicy.ucla.edu/_layouts/listform.aspx?PageType=4&ListId={7AAD61FA-4BCB-48C0-B0B7-87AFDC3673EF}&ID=1542&RootFolder=*', RefreshPage); return false;" href="http://healthpolicy.ucla.edu/_layouts/listform.aspx?PageType=4&ListId={7AAD61FA-4BCB-48C0-B0B7-87AFDC3673EF}&ID=1542&RootFolder=*">Vicki Fung</a>

Author 2

<a onclick="OpenPopUpPage('http://healthpolicy.ucla.edu/_layouts/listform.aspx?PageType=4&ListId={7AAD61FA-4BCB-48C0-B0B7-87AFDC3673EF}&ID=151&RootFolder=*', RefreshPage); return false;" href="http://healthpolicy.ucla.edu/_layouts/listform.aspx?PageType=4&ListId={7AAD61FA-4BCB-48C0-B0B7-87AFDC3673EF}&ID=151&RootFolder=*">et al</a>

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Abstract

​The Affordable Care Act (ACA) introduced reforms to mitigate adverse selection into and within the individual insurance market. Authors examine the traits and predicted medical spending of enrollees in California post-ACA using 2,013 enrollees in individual market plans, on- and off-exchange, comparing actual versus potential participants using data from the 2014 California Health Interview Survey on respondents who were individually insured or uninsured.

Authors found the average predicted spending was similar for actual ($3,377) and potential participants ($3,257); however, some vulnerable subgroups were underrepresented. On- versus off-exchange enrollees differed in sociodemographic and health traits with modest differences in spending ($3,448 vs. $3,175). Authors found no evidence of selection into the overall insurance pool in 2014; however, differences by exchange status reflect the importance of including off-exchange enrollees in analyses and the pool for risk adjustment. California's post-ACA individual market has been a relative success, highlighting the importance of state policies and outreach efforts to encourage participation in the market.

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Journal Article: Adverse Selection into and within the Individual Health Insurance Market in California in 2014 (Health Services Research)

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Press Release

Related Link 1

California Health Interview Survey (CHIS)

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Version: 3.0
Created at 7/16/2018 2:58 PM by i:0#.f|uclachissqlmembershipprovider|celeste
Last modified at 7/16/2018 3:04 PM by i:0#.f|uclachissqlmembershipprovider|celeste