The Role of agents and brokers in the market for Health lnsurance

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<rdf:Description>
<dc:creator>Karaca-Mandic, Pinar</dc:creator>
<dc:creator>Feldman, Roger</dc:creator>
<dc:creator>Graven, Peter</dc:creator>
<dc:date>2018-03-01</dc:date>
<dc:description xml:lang="es">Sumario: Health insurance markets in the United States are characterized by imperfect information, complex products, and substantial search frictions. Insurance agents and brokers play a significant role in helping employers navigate these problems. However, little is known about the relations between the structure of the agent/broker market and access and affordability of insurance. This article aims to fill this gap by investigating the influence of agents/brokers on health insurance offering decisions of small firms, which are particularly vulnerable to problems of financing health insurance. Using a unique membership database from the National Association of Health Underwriters together with a nationally representative survey of employers, we find that small firms in more competitive agent/broker markets are more likely to offer health insurance and at lower premiums. Moreover, premiums are less dispersed in more competitive agent/broker markets.</dc:description>
<dc:identifier>https://documentacion.fundacionmapfre.org/documentacion/publico/es/bib/163941.do</dc:identifier>
<dc:language>spa</dc:language>
<dc:rights xml:lang="es">InC - http://rightsstatements.org/vocab/InC/1.0/</dc:rights>
<dc:subject xml:lang="es">Mercado de seguros</dc:subject>
<dc:subject xml:lang="es">Seguro de salud</dc:subject>
<dc:subject xml:lang="es">Seguro de vida</dc:subject>
<dc:subject xml:lang="es">Seguro de asistencia sanitaria</dc:subject>
<dc:subject xml:lang="es">Intermediarios</dc:subject>
<dc:subject xml:lang="es">Agentes de seguros</dc:subject>
<dc:subject xml:lang="es">Corredores de seguros</dc:subject>
<dc:subject xml:lang="es">Distribución de seguros</dc:subject>
<dc:subject xml:lang="es">Estados Unidos</dc:subject>
<dc:type xml:lang="es">Artículos y capítulos</dc:type>
<dc:title xml:lang="es">The Role of agents and brokers in the market for Health lnsurance</dc:title>
<dc:relation xml:lang="es">En: The Journal of risk and insurance. - Nueva York : The American Risk and Insurance Association, 1964- = ISSN 0022-4367. - 01/03/2018 Volumen 85 Número 1 - marzo 2018 , p. 7-34</dc:relation>
<dc:coverage xml:lang="es">Estados Unidos</dc:coverage>
</rdf:Description>
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