Open AccessDoes Open Enrollment Control Premiums? A Case Study from the “Medigap” Market
Author(s) -
Thomas Rice,
Katherine A. Desmond,
Peter D. Fox
Publication year - 2004
Publication title -
inquiry the journal of health care organization provision and financing
Language(s) - English
Resource type - Journals
SCImago Journal Rank - 0.792
H-Index - 43
eISSN - 1945-7243
pISSN - 0046-9580
DOI - 10.1177/004695800404100306
Subject(s) - control (management) , business , state (computer science) , actuarial science , demographic economics , public economics , economics , computer science , management , algorithm
This article analyzes a change in “Medigap” regulations that occurred in Missouri in 1999. It allows Medicare beneficiaries in the state to switch to a different carrier each year so long as they retain the same standardized policy type, without losing their open enrollment privileges. The analysis is based on a comparison of various outcomes in Missouri and those in two comparison states, Kansas and Florida. We found little evidence that the policy change affected premiums charged by insurance carriers in Missouri, but conclude that other desirable aspects of the change make it potentially attractive for other states to follow
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