Consumer behavior and insurer plan offering with expanded premium subsidy in U. S. individual health insurance market
Bibliographic Data
| ID | 22069063 |
|---|---|
| Authors | Yu Lei (0009-0002-2980-2691, University of Hartford, corresponding author), Lei Yu (0000-0001-7883-197X) |
| Year | 2025 |
| Volume | 13 |
| Pages | 1643109-1643109 |
| Publication date | 2025-10-13 |
| Open Access | Yes |
| Type | ARTICLE |
| Venue | Frontiers in Public Health (JOURNAL) |
| Journal identifiers | ISSN: 2296-2565 • E-ISSN: 2296-2565 |
| Publisher | Frontiers Media SA (PUBLISHER • CH) |
| DOI | 10.3389/fpubh.2025.1643109 |
| PMID | 41158587 |
| OpenAlex | W4415097956 |
| Language | EN |
| References cited | 14 |
As the demand for individual health insurance in the U. S. ebbed and flowed between 2014 and 2024, the supply of such coverage also fluctuated accordingly, based on our descriptive analysis of enrollment data and insurer information. With the enhanced premium subsidy available since 2021, consumers were trading up and purchasing more gold plans and less silver plans. Insurers in turn offered more of the desired plans. Our results also showed that insurers offered a higher percentage of silver plans but a lower percentage of bronze plans than the consumer demanded
Auto insurance risk selection · Consumer behaviour · Consumer protection · General insurance · Health insurance · Health plan · Insurance policy · Purchasing · Subsidy · Healthcare cost, quality, practices · Healthcare Policy and Management · Primary Care and Health Outcomes
| Highly cited | No |
|---|