Consumer behavior and insurer plan offering with expanded premium subsidy in U. S. individual health insurance market
Year: 2025
Type: article
Abstract: As the demand for individual health insurance in the U. S. ebbed and flowed between 2014 and 2024, the supply of such coverage also fluctuated accordingly, based on our descriptive analysis of enrollment data and insurer information. With the enhanced premium subsidy available since 2021, consumers were trading up and purchasing more gold plans and less silver plans. Insurers in turn offered more of the desired plans. Our results also showed that insurers offered a higher percentage of silver plans but a lower percentage of bronze plans than the consumer demanded.
Source: Frontiers in Public Health
Author: Yu Lei
Institution: University of Hartford
Language: English
Subfield: Economics and Econometrics
Domain: Social Sciences
Open Access status: gold
Estimated APC paid: $3,801
OpenAlex ID: W4415097956