do small group health insurance regulations influence small business size？

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1、DoSmallGroupHealthInsuranceRegulationsInfluenceSmallBusinessSize？UCDCENTREFORECONOMICRESEARCHWORKINGPAPERSERIES2006DoSmallGroupHealthInsuranceRegulationsInfluenceSmallBusinessSize?KanikaKapur,UniversityCollegeDublinandPinarKaraca-Mandic,SusanMGatesandBrentFulton,RAND

2、CorporationWP06/22November2006UCDSCHOOLOFECONOMICSUNIVERSITYCOLLEGEDUBLINBELFIELDDUBLIN7><4DoSmallGroupHealthInsuranceRegulationsInfluenceSmallBusinessSize?KanikaKapur(CorrespondingAuthor)SchoolofEconomics,UniversityCollegeDublin,IrelandPhone:+3531716<462<4,Email:kan

3、ika.kapur@ucd.ie)andRANDCorporationPinarKaraca-MandicRANDCorporation1776MainSt.SantaMonica,CA90<407,USApinar@rand.orgSusanM.GatesRANDCorporationsgates@rand.orgBrentFultonRANDCorporationBrent_Fulton@rand.orgACKNOWLEDGMENTSThisresearchwasconductedwithintheKauffman-RAND

4、CenterforSmallBusinessandRegulation,whichisfundedbyagrantfromtheEwingMarionKauffmanFoundationintheRANDCorporationforthesponsorshipofresearchdealingwithregulatoryissuesandsmallbusinesses.WewouldliketothankJeremyPickreignoftheHealthResearchandEducationalTrustforprovidi

5、nguswiththedatausedinthisstudy.WereceivedhelpfulcommentsonanearlydraftofthemanuscriptfromDariusLakdawallaandMarkShowalter.WewouldalsoliketothanktheparticipantsintheKauffman-RANDCenterconferenceonsmallbusinessandregulation(November2005)forcommentsonanearlyversionofthi

6、sanalysis.WewouldliketothankourRANDcolleaguesfortheirsupport.DonnaWhitehelpedwiththeeditingandpreparationofthemanuscript.Anyerrorsarethefullresponsibilityoftheauthors.ABSTRACTThecostofhealthinsurancehasbeentheprimaryconcernofsmallbusinessownersforseveraldecades.State

7、smallgrouphealthinsurancereforms,implementedinthe1990s,aimedtocontrolthevariabilityofhealthinsurancepremiumsandtoimproveaccesstohealthinsurance.Smallgroupreformsonlyaffectedfirmswithinaspecificsizerange,andthedefinitionoftheuppersizethresholdforsmallfirmsvariedbystat

8、eandovertime.Asaresult,smallgroupreformsmayhaveaffectedthesizeofsmallfirmsaroundthelegislativethresholdandmayalsohaveaffectedthepro