What Impact HIPAA?
State Regulation and Private Health Insurance Coverage Among Adults

by

Deborah J. Chollet, Ph.D.
Mathematica Policy Research

Kosali Ilayperuma Simon, Ph.D.
Michigan State University

and

Adele M. Kirk, M.A.
University of California at Los Angeles

Submitted to
the Office of the Assistant Secretary for Planning and EvaluationU.S. Department of Health and Human Services
in fulfillment of Contract HHS-10098-0014

October 20, 2000

This research was conducted with partial funding from the Robert Wood Johnson Foundation to the Academy for Health Services Research and Health Policy.

TABLE OF CONTENTS

Executive Summary

1. Introduction

2. Recent Literature on Health Insurance Reforms and Coverage

3. Research Design: Data and Methods

Employer coverage

Individual coverage

4. Results: Small Employer Coverage

The impact of market structure on small employer coverage

The impact of regulation on small employer coverage

5. Results: Individual Coverage

The impact of market structure on individual coverage

The impact of regulation on individual coverage

6. Summary and Conclusions

References

List of Tables

Table 1: Variable Definitions

Table 2: Regression Results for Small Employer Coverage: Firms with <100 Workers

Table 3: Regression Results for Small Employer Coverage: Firms with <25 Workers

Table 4: Regression Results for Individual Private Coverage

Appendices

Appendix 1: Recent Empirical Studies of the Effects of State Health Insurance Reform

Appendix 2: Small Employer Coverage: Descriptive Statistics

Appendix 3: Individual Private Coverage: Descriptive Statistics