2009•University of North Texas Digital Library (University of North Texas)Open access

The Market Structure of the Health Insurance Industry

D. Andrew Austin, Thomas L. Hungerford

Abstract

This report discusses whether or not the current health insurance market structure hinders the U.S. health system's ability to reach the policy goals of expanding health insurance coverage and containing health care costs. The report describes the forces that have shaped the health insurance industry. Reasons for high market concentration are discussed, along with profitability measures for the industry. Finally, options for Congress regarding the health insurance industry are analyzed.

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Key concepts: Business, Self-insurance, Health care, Health insurance, Health policy, Competition (biology), Actuarial science, Insurance policy