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Posted to Web: May 01, 2003

Permanent Link: http://www.urban.org/url.cfm?ID=1000712

This article reports results from using the Health Insurance Reform Simulation Model (HIRSM) to simulate the effects of a proposal for expanding health insurance developed by Holahan, Nichols, and Blumberg. This expansion proposal would subsidize health insurance purchases for low-income individuals and families and simultaneously addresses the issue of inefficient and inequitable risk pooling in current private health insurance markets. The results suggest that roughly half of the uninsured population would obtain coverage under this plan, while preserving the role of employers as a major payer for coverage. Unlike other proposals that would subsidize coverage for the low-income, this plan would also significantly reduce the inefficient risk-pooling in individual and small group markets. (American Economic Association Papers and Proceedings 93(2): 277–82, May 2003.)

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