| 来源类型 | Working Paper |
| 规范类型 | 报告 |
| DOI | 10.3386/w19342 |
| 来源ID | Working Paper 19342 |
| The Role of Agents and Brokers in the Market for Health Insurance | |
| Pinar Karaca-Mandic; Roger Feldman; Peter Graven | |
| 发表日期 | 2013-08-16 |
| 出版年 | 2013 |
| 语种 | 英语 |
| 摘要 | Health insurance markets in the United States are characterized by imperfect information, complex products, and substantial search frictions. Insurance agents and brokers play a significant role in helping employers navigate these problems. However, little is known about the relation between the structure of the agent/broker market and access and affordability of insurance. This paper aims to fill this gap by investigating the influence of agents/brokers on health insurance decisions of small firms, which are particularly vulnerable to problems of financing health insurance. Using a unique membership database from the National Association of Health Underwriters together with a nationally representative survey of employers, we find that small firms in more competitive agent/broker markets are more likely to offer health insurance and at lower premiums. Moreover, premiums are less dispersed in more competitive agent/broker markets. |
| 主题 | Health, Education, and Welfare ; Health ; Industrial Organization ; Market Structure and Firm Performance |
| URL | https://www.nber.org/papers/w19342 |
| 来源智库 | National Bureau of Economic Research (United States) |
| 引用统计 | |
| 资源类型 | 智库出版物 |
| 条目标识符 | http://119.78.100.153/handle/2XGU8XDN/577017 |
| 推荐引用方式 GB/T 7714 | Pinar Karaca-Mandic,Roger Feldman,Peter Graven. The Role of Agents and Brokers in the Market for Health Insurance. 2013. |
| 条目包含的文件 | 条目无相关文件。 | |||||
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