Community rating and sustainable individual health insurance markets in New Jersey.

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  • Author(s): Monheit AC;Monheit AC; Cantor JC; Koller M; Fox KS
  • Source:
    Health affairs (Project Hope) [Health Aff (Millwood)] 2004 Jul-Aug; Vol. 23 (4), pp. 167-75.
  • Publication Type:
    Journal Article; Research Support, Non-U.S. Gov't
  • Language:
    English
  • Additional Information
    • Source:
      Publisher: Project Hope Country of Publication: United States NLM ID: 8303128 Publication Model: Print Cited Medium: Print ISSN: 0278-2715 (Print) Linking ISSN: 02782715 NLM ISO Abbreviation: Health Aff (Millwood) Subsets: MEDLINE
    • Publication Information:
      Publication: : Bethesda, MD : Project Hope
      Original Publication: Millwood, Va. : Project Hope, c1981-
    • Subject Terms:
      Health Care Sector*; Insurance Coverage/*trends ; Insurance, Health/*trends; Data Collection ; New Jersey ; State Government
    • Abstract:
      The New Jersey Individual Health Coverage Program (IHCP) was implemented in 1993; key provisions included pure community rating and guaranteed issue/renewal of coverage. Despite positive early evaluations, the IHCP appears to be heading for collapse. Using unique administrative and survey data, we examined trends in IHCP enrollment and premiums. We found the stability of the IHCP to be fragile in light of improving opportunities for job-related health insurance. We also found that it is retaining high-risk enrollees. Institutional realities and the difficulty of identifying a control group preclude attributing causality to the plan's pure community rating and open enrollment provisions.
    • Publication Date:
      Date Created: 20040821 Date Completed: 20040921 Latest Revision: 20190906
    • Publication Date:
      20231215
    • Accession Number:
      10.1377/hlthaff.23.4.167
    • Accession Number:
      15318577