Replication data for: Paying a Premium on Your Premium? Consolidation in the US Health Insurance Industry
Principal Investigator(s): View help for Principal Investigator(s) Leemore Dafny; Mark Duggan; Subramaniam Ramanarayanan
Version: View help for Version V1
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Project Citation:
Dafny, Leemore, Duggan, Mark, and Ramanarayanan, Subramaniam. Replication data for: Paying a Premium on Your Premium? Consolidation in the US Health Insurance Industry. Nashville, TN: American Economic Association [publisher], 2012. Ann Arbor, MI: Inter-university Consortium for Political and Social Research [distributor], 2019-10-11. https://doi.org/10.3886/E112509V1
Project Description
Summary:
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We examine whether and to what extent consolidation in the US health insurance industry has contributed to higher employer-sponsored insurance premiums. We exploit the differential impact across local markets of a national merger of two insurers to identify the causal effect of concentration on premiums. Using data for large groups, we estimate premiums in average markets were approximately seven percentage points higher by 2007 due to increases in local concentration from 1998-2006. We also find evidence consolidation facilitates the exercise of monopsonistic power vis-Ã -vis physicians, leading to reductions in their absolute employment and earnings relative to other healthcare workers. (JEL G22, I13)
Scope of Project
JEL Classification:
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G22 Insurance; Insurance Companies; Actuarial Studies
I13 Health Insurance, Public and Private
G22 Insurance; Insurance Companies; Actuarial Studies
I13 Health Insurance, Public and Private
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