Mapping State Health Insurance Markets: Structure and Change in the States' Group and Individual Health Insurance Markets

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With growing employment and tight labor markets, employers provided group health insurance coverage to a rising proportion of workers and dependents in the late 1990s. At the same time, the population purchasing individual coverage declined, apparently drawn down by expanding group coverage and rising individual premiums. It seems reasonable to suppose that the supply side of the market during this period changed also, either independent of or in response to changes in demand.