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Does Small Group Health Insurance Deliver Group Benefits? An Argument in Favor of Allowing the Small Group Market to Die

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dc.contributor.author Cogan, John Aloysius Jr.
dc.date.accessioned 2018-10-23T18:15:28Z
dc.date.available 2018-10-23T18:15:28Z
dc.date.issued 2018-10
dc.identifier.citation 93 Wash. L. Rev. 1121 (2018) en_US
dc.identifier.issn 0043-0617
dc.identifier.uri http://hdl.handle.net/1773.1/1833
dc.description Volume 93, no.3, October 2018 en_US
dc.description.abstract John Aloysius Cogan Jr., Associate Professor of Law and Roger S. Baldwin Scholar, University of Connecticut School of Law. Abstract: The small group health insurance market is failing. Today, fewer than one-third of small firms now offer health insurance and the number of people covered by small group insurance continues to drop. These problems invite the obvious question: What should be done about the small group market? Past scholarship on the small group market has largely focused on documenting the market’s problems, evaluating the effectiveness of prior reform efforts, and proposing regulatory changes to stabilize the market. This Article takes a different approach to the small group problem by asking a previously unasked question: Does the small group market deliver group insurance benefits? Group insurance, first established in the life insurance industry, came about because it offered insureds a better deal than individual coverage. Group insurance provided four core benefits: reduced adverse selection, lower administrative costs, greater access to insurance, and tax-subsidized premiums. This Article argues the small group market largely fails to deliver the core benefits of group coverage. For many, the small group market offers no better deal than the individual market. Given these findings, it is hard to justify further interventions to save the small group market. The decline and dissolution of the small group market would likely shift millions to the individual market, resulting in a substantially larger and more stable individual market. en_US
dc.language.iso en_US en_US
dc.publisher Seattle: Washington Law Review, University of Washington School of Law en_US
dc.subject Article en_US
dc.title Does Small Group Health Insurance Deliver Group Benefits? An Argument in Favor of Allowing the Small Group Market to Die en_US
dc.type Article en_US
dc.rights.holder Copyright 2018 by Washington Law Review Association. en_US

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