This paper explores the effects of small group and individual insurance market reforms on health insurance coverage using data from the 1989 through 1995 Current Population Survey. Instead of examining the effects of each of the various types of reforms, we reflect how reforms were generally implemented and measure the effects of packages of reforms. We find that small group reforms did little to affect coverage, but that individual market reforms reduced private coverage and increased uninsurance rates. However, our findings suggest that small group reforms may have prevented the erosion of private coverage during the early 1990s. (Inquiry 1999 Spring; 36(1):44-56)
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