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

Recurso electrónico / electronic resource
MARC record
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003  MAP
005  20180425162235.0
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040  ‎$a‎MAP‎$b‎spa‎$d‎MAP
084  ‎$a‎344.1
100  ‎$0‎MAPA20180004469‎$a‎Karaca-Mandic, Pinar
24514‎$a‎The Role of agents and brokers in the market for Health lnsurance‎$c‎Pinar Karaca-Mandic, Roger Feldman, Peter Graven
520  ‎$a‎Health 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.
650 4‎$0‎MAPA20080586294‎$a‎Mercado de seguros
650 4‎$0‎MAPA20080573867‎$a‎Seguro de salud
650 4‎$0‎MAPA20080570590‎$a‎Seguro de vida
650 4‎$0‎MAPA20080626310‎$a‎Seguro de asistencia sanitaria
650 4‎$0‎MAPA20080569327‎$a‎Intermediarios
650 4‎$0‎MAPA20080583415‎$a‎Agentes de seguros
650 4‎$0‎MAPA20080600600‎$a‎Corredores de seguros
650 4‎$0‎MAPA20080610326‎$a‎Distribución de seguros
651 1‎$0‎MAPA20080638337‎$a‎Estados Unidos
7001 ‎$0‎MAPA20110023423‎$a‎Feldman, Roger
7001 ‎$0‎MAPA20180004827‎$a‎Graven, Peter
7730 ‎$w‎MAP20077000727‎$t‎The Journal of risk and insurance‎$d‎Nueva York : The American Risk and Insurance Association, 1964-‎$x‎0022-4367‎$g‎01/03/2018 Volumen 85 Número 1 - marzo 2018 , p. 7-34