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Related Experiment Videos

Purchasing cooperatives for small employers: performance and prospects.

E K Wicks1, M A Hall

  • 1Wake Forest University, USA. ewicks@capu.net

The Milbank Quarterly
|February 24, 2001
PubMed
Summary

Health insurance purchasing cooperatives aimed to lower costs for small employers but struggled with market share and survival. They offered plan choice but did not achieve sustained lower prices due to limited insurer support and agent conflicts.

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Area of Science:

  • Health Services Research
  • Health Economics
  • Public Health Policy

Background:

  • Health insurance purchasing cooperatives (HIPCs) emerged in the 1990s to address affordability and access for small employers.
  • Small businesses historically faced challenges in obtaining cost-effective health insurance options.

Purpose of the Study:

  • To evaluate the effectiveness and challenges of health insurance purchasing cooperatives for small employers.
  • To identify factors influencing the success and survival of HIPCs.

Main Methods:

  • Qualitative study involving extensive interviews.
  • Case study analysis of six selected health insurance purchasing cooperatives.
  • Examination of market share, pricing, and operational challenges.

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Main Results:

  • While some HIPCs achieved significant enrollment, most captured small market shares and faced survival difficulties.
  • HIPCs provided employees with a choice of health plans but failed to secure consistently lower prices than the conventional market.
  • Key impediments included insufficient health plan support and disputes regarding insurance agent roles.

Conclusions:

  • HIPCs faced significant obstacles in achieving their goals of sustained lower health insurance prices for small employers.
  • Limited market penetration and operational challenges hindered the long-term viability of many HIPCs.
  • Addressing issues with health plan participation and agent involvement is crucial for future cooperative models.