Research Grants

Funding For:

Nothing Matters: The Zero-Price Effect in the Individual Insurance Market

Cost & Quality / Health Care Coverage


Coleman D. Drake, University of Pittsburgh

Grant Period:

Mar 01, 2020 - Nov 30, 2020



Summary of the Project:

This study will use enrollment data from the Colorado exchange to study how the advent of zero-premium plans affected (1) insurance take-up among different demographic groups and (2) the types of health plans chosen by enrollees. Models will isolate the impact of premium levels vs. zero-price plans and also examine the impact of inertia that makes current enrollees less likely to change plan choice in response to premium changes. Study results will be relevant to current policy proposals such as public options, Medicaid buy-ins and higher premium subsidies that may result in more people having access to zero-premium plans.

Grantee Publications

May 2023

Financial transaction costs reduce benefit take-up evidence from zero-premium health insurance plans in Colorado

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Author: Coleman Drake; David Anderson; Sih-Ting Cai; Daniel W. Sacks

February 18, 2021

Next Year, Extend Open Enrollment Of The ACA Marketplaces Into January

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Author: Coleman Drake; David Anderson

July 8, 2020

Preparing the Health Insurance Marketplaces for the COVID-19 Recession

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Author: David Anderson; Coleman Drake