caa a22 4500 469075910 CHVBK 20180323132935.0 cr unu---uuuuu 170328e19921201xx s 000 0 eng 10.1007/BF00134929 doi (NATIONALLICENCE)springer-10.1007/BF00134929 State mandated benefits and the small firm's decision to offer insurance [Elektronische Daten] [Gail Jensen, Jon Gabel] In the last decade, the number of Americans without health insurance has grown, partly due to an erosion in employer-based coverage among workers. This paper examines the extent to which state-mandated benefit requirements and other state insurance regulations discourage small firms in the private sector from providing health benefits. Using data on 1320 firms observed in 1985 and 492 firms observed in 1988, we estimate two models of small firms' decisions to offer health insurance (one for each data set), and then use them to assess the effects that mandates had on purchasing decisions in both years. We estimate that 19 percent of noncoverage among sample businesses in 1985 and 43 percent of noncoverage in the 1988 sample was attributable to state-mandated benefits. State continuation-of-coverage requirements were particularly burdensome for firms. With continued growth in the number of state mandated benefit requirements, we should expect a steady rise in the small firm's propensity to forgo insurance coverage. Kluwer Academic Publishers, 1992 Jensen Gail Department of Economics, Wayne State University, 48202, Detroit, MI, USA aut Gabel Jon KPMG Peat Marwick, 20036, Washington, DC, USA aut Journal of Regulatory Economics Kluwer Academic Publishers 4/4(1992-12-01), 379-404 0922-680X 4:4<379 1992 4 11149 https://doi.org/10.1007/BF00134929 text/html Onlinezugriff via DOI 1 research-article jats NATIONALLICENCE 856 40 https://doi.org/10.1007/BF00134929 text/html Onlinezugriff via DOI NATIONALLICENCE 700 1- Jensen Gail Department of Economics, Wayne State University, 48202, Detroit, MI, USA aut NATIONALLICENCE 700 1- Gabel Jon KPMG Peat Marwick, 20036, Washington, DC, USA aut NATIONALLICENCE 773 0- Journal of Regulatory Economics Kluwer Academic Publishers 4/4(1992-12-01), 379-404 0922-680X 4:4<379 1992 4 11149 Metadata rights reserved Springer special CC-BY-NC licence nationallicence BK010053 XK010053 XK010000 NATIONALLICENCE NATIONALLICENCE NL-springer