Adverse Selection into and within the Individual Health Insurance Market in California in 2014 (original) (raw)

2018, Health Services Research

Objective. The Affordable Care Act (ACA) introduced reforms to mitigate adverse selection into and within the individual insurance market. We examined the traits and predicted medical spending of enrollees in California post-ACA. Data Sources. Survey of 2,103 enrollees in individual market plans, on-and offexchange, in 2014. Study Design. We compared actual versus potential participants using data from the 2014 California Health Interview Survey on respondents who were individually insured or uninsured. We predicted annual medical spending for each group using age, sex, self-rated health, body mass index, smoking status, and income.

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