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This study examines the impact of state health insurance regulations on the price of high-deductible family and individual polices in the nongroup market.  We use a unique and rich data set on actual insurance policies sold through a large Internet health insurance distributor to examine the impact of various regulations on policy prices, controlling for policy characteristics, demographic characteristics of the purchasers, and state-level demographics.  We also use data from a single major insurance firm that provided offer prices for a family policy from a set of randomly selected zip codes.  Both datasets suggest a strong statistical relationship between regulation and insurance prices.

State Health Insurance Regulations and the Price of High-Deductible Policies