MarketWatch: Consumer decision making in the individual health insurance market

M. Susan Marquis, Melinda Beeuwkes Buntin, José J. Escarce, Kanika Kapur, Thomas Louis, Jill M. Yegian

Research output: Contribution to journalArticlepeer-review

11 Scopus citations


This paper summarizes the results from a study of consumer decision making in California's individual health insurance market. We conclude that price subsidies will have only modest effects on participation and that efforts to reduce nonprice barriers might be just as effective. We also find that there is substantial pooling in the individual market and that it increases over time because people who become sick can continue coverage without new underwriting. Finally, we show that people prefer more-generous benefits and that it is difficult to induce people in poor health to enroll in high-deductible health plans.

Original languageEnglish (US)
Pages (from-to)W226-W234
JournalHealth Affairs
Issue number3
StatePublished - May 2006
Externally publishedYes

ASJC Scopus subject areas

  • Health Policy


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