Duplicate health insurance coverage: determinants of variation across states.
Luft, Harold S
Date of Pub
Maerki, Susan C
Although it is recognized that many people have duplicate private health insurance coverage, either through separate purchase
or as health benefits in multi-earner families, there has been little analysis of the factors determining duplicate coverage
rates. A new data source, the Survey of Income and Education, offers a comparison with the only previous source of state level
data, the estimates from the Health Insurance Association of America. The R2 between the two sets is only .3 and certain problems
can be traced to the methodology underlying the HIAA figures. Using figures for gross and net coverage, the ratio of total
policies to people with private coverage ranges from .94 in Utah to 1.53 in Illinois. Measures of industry distribution, per
capita income and employment explain a large portion of the variance, but it appears that these factors operate in opposite
directions for group and non-group policies. Similar sociodemographic variables also explain net coverage. These findings
have substantial implications for research and the structuring of employee health benefits.
Analysis of Variance : Comparative Study : Educational Status : Health Benefit Plans, Employee/utilization : Income : Insurance,
Health/utilization : Socioeconomic Factors : Support, U.S. Gov't, P.H.S. : United States