BRIEF RESEARCH REPORT article
Front. Public Health
Sec. Public Health Policy
Volume 13 - 2025 | doi: 10.3389/fpubh.2025.1643109
Consumer Behavior and Insurer Plan Offering With Expanded Premium Subsidy in U.S. Individual Health Insurance Market
Provisionally accepted
- University of Hartford, West Hartford, United States
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As the demand for individual health insurance in the U.S. ebbed and flowed between 2014 and 2024, the supply of such coverage also fluctuated accordingly, based on our descriptive analysis of enrollment data and insurer information. With the enhanced premium subsidy available since 2021, consumers were trading up and purchasing more gold plans and less silver plans. Insurers in turn offered more of the desired plans. Our results also showed that insurers offered a higher percentage of silver plans but a lower percentage of bronze plans than the consumer demanded.
Keywords: health insurance enrollment, insurer plan offering, enhanced premium subsidy, metal tiers, consumer choice
Received: 08 Jun 2025; Accepted: 29 Sep 2025.
Copyright: © 2025 Lei. This is an open-access article distributed under the terms of the Creative Commons Attribution License (CC BY). The use, distribution or reproduction in other forums is permitted, provided the original author(s) or licensor are credited and that the original publication in this journal is cited, in accordance with accepted academic practice. No use, distribution or reproduction is permitted which does not comply with these terms.
* Correspondence: Yu Lei, lei@hartford.edu
Disclaimer: All claims expressed in this article are solely those of the authors and do not necessarily represent those of their affiliated organizations, or those of the publisher, the editors and the reviewers. Any product that may be evaluated in this article or claim that may be made by its manufacturer is not guaranteed or endorsed by the publisher.