The demand for health insurance among uninsured Americans: Results of a survey experiment and implications for policy

Alan B. Krueger, Ilyana Kuziemko

Research output: Contribution to journalArticle

33 Scopus citations

Abstract

Most existing work on the demand for health insurance focuses on employees' decisions to enroll in employer-provided plans. Yet any attempt to achieve universal coverage must focus on the uninsured, the vast majority of whom are not offered employer-sponsored insurance. In the summer of 2008, we conducted a survey experiment to assess the willingness to pay for a health plan among a large sample of uninsured Americans. The experiment yields price elasticities of around one, substantially greater than those found in most previous studies. We use these results to estimate coverage expansion under the Affordable Care Act, with and without an individual mandate. We estimate that 35 million uninsured individuals would gain coverage and find limited evidence of adverse selection.

Original languageEnglish (US)
Pages (from-to)780-793
Number of pages14
JournalJournal of Health Economics
Volume32
Issue number5
DOIs
StatePublished - Sep 1 2013
Externally publishedYes

All Science Journal Classification (ASJC) codes

  • Health Policy
  • Public Health, Environmental and Occupational Health

Keywords

  • Affordable Care Act
  • Health insurance
  • Uninsured

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