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The Effect of State Regulations on Health Insurance Premiums: ARevised Analysis

Many health policy analysts who cite Census Bureau statistics arguefor greater government intervention in health care as a way tocover a larger percentage of Americans. One commonly proposedsolution is "single payer" plans, in which the gov­ernmentwould directly pay for or subsidize vari­ous health services.Another proposal that continues to receive some attention is "payor play" plans, in which employers are required either to provide aspecified level of health insurance for their employees or to pay atax that is earmarked for providing coverage for the uninsured. ....

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The Effect of State Regulations on Health Insurance Premiums: A Preliminary Analysis

Those who argue for greater government intervention in health careoften overlook the fact that government policy, particularlyexcessive regulatory intervention, may price many Americans out ofcoverage and thus contribute to the high numbers of uninsured. Atthe state level, the evidence indicates that health insuranceregulations are correlated with higher prices for purchasers ofhealth insurance. ....

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