The impact of tort reform on private health insurance coverage, February 2010

Ronen Avraham*, Max M Schanzenbach

*Corresponding author for this work

Research output: Contribution to journalArticlepeer-review

28 Scopus citations

Abstract

This study evaluates tort reform's impact on private health insurance coverage. Tort reform may reduce costly damage awards and defensive medicine. On the other hand, tort reform may increase health care costs by reducing doctors' caretaking or increasing questionable treatments. Reducing health care costs should increase health insurance coverage rates, while cost increases should decrease coverage rates. We find that between 1981 and 2007 damage caps, collateral source reform, and joint-and-several liability reform increased health insurance coverage among price-sensitive groups between one-half and one percentage points each. We conclude that tort reform reduces health care costs, at least for price-sensitive groups.

Original languageEnglish (US)
Article numberahq003
Pages (from-to)319-355
Number of pages37
JournalAmerican Law and Economics Review
Volume12
Issue number2
DOIs
StatePublished - 2010

ASJC Scopus subject areas

  • Finance
  • Law

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