A specific focus for state regulations of the small group insurance market was to increase offers and stabilize premiums for firms with high-risk workers. We examine the effect of reforms implemented from 1993 through 1996 on the likelihood of employer sponsored insurance coverage. We find that packages of reforms that included both guaranteed issue of some products and some form of rate variance restriction had significant positive effects on ESI coverage for high-risk compared with low-risk workers within small firms and a small negative effect on low-risk workers in small compared with large firms. (Davidoff, Amy, Blumberg, Linda and Nichols, Len. 2005. "State Health Insurance Market Reforms and Access to Insurance for High-Risk Employees." Journal of Health Economics 24(4): 725-750.)
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