Marketplace premiums rise faster for tobacco users because of subsidy design

Karina C. Manz; Teresa M. Waters; Cameron M. Kaplan

doi:10.1377/hlthaff.2020.00015

Marketplace premiums rise faster for tobacco users because of subsidy design

Karina C. Manz, Teresa M. Waters, Cameron M. Kaplan

Research output: Contribution to journal › Article › peer-review

2 Scopus citations

Abstract

Tobacco users can be charged health insurance Marketplace premiums up to 1.5 times higher than premiums for nonusers of tobacco. Despite being charged higher premiums, low- and middle-income tobacco users receive premium subsidies identical to those received by nonusers and cannot apply the subsidy to pay for any portion of their tobacco surcharge. Premium increases over time have exacerbated the discrepancy in premium prices based on tobacco use.

Original language	English
Pages (from-to)	1540-1545
Number of pages	6
Journal	Health Affairs
Volume	39
Issue number	9
DOIs	https://doi.org/10.1377/hlthaff.2020.00015
State	Published - Sep 2020

Bibliographical note

Publisher Copyright:
©2020 Project HOPE— The People-to-People Health Foundation, Inc.

ASJC Scopus subject areas

Health Policy

UN SDGs

This output contributes to the following UN Sustainable Development Goals (SDGs)

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10.1377/hlthaff.2020.00015

Cite this

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title = "Marketplace premiums rise faster for tobacco users because of subsidy design",

abstract = "Tobacco users can be charged health insurance Marketplace premiums up to 1.5 times higher than premiums for nonusers of tobacco. Despite being charged higher premiums, low- and middle-income tobacco users receive premium subsidies identical to those received by nonusers and cannot apply the subsidy to pay for any portion of their tobacco surcharge. Premium increases over time have exacerbated the discrepancy in premium prices based on tobacco use.",

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AB - Tobacco users can be charged health insurance Marketplace premiums up to 1.5 times higher than premiums for nonusers of tobacco. Despite being charged higher premiums, low- and middle-income tobacco users receive premium subsidies identical to those received by nonusers and cannot apply the subsidy to pay for any portion of their tobacco surcharge. Premium increases over time have exacerbated the discrepancy in premium prices based on tobacco use.

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Marketplace premiums rise faster for tobacco users because of subsidy design

Abstract

Bibliographical note

ASJC Scopus subject areas

UN SDGs

Access to Document

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Cite this