Factors affecting the Affordable Care Act Marketplace stand-alone pediatric dental plan premiums

Nan Qiao, Aaron Carroll, Teresa Maria Bell

Research output: Contribution to journalArticle

Abstract

Background: Children from lower income families have inadequate dental insurance coverage and poorer dental health in the United States. The Affordable Care Act (ACA) created Health Insurance Exchange Marketplaces to increase competition among health insurers and to provide low-income families with less costly health plans. The study examined Marketplace pediatric stand-alone dental plans (SADPs) and factors that affect their premiums. Methods: The data used were 2016 Federal-Facilitated and State-Partnership Marketplace pediatric SADP data. Ordinary least squares regressions were applied to estimate contributing factors’ effects on SADP premiums. Results: Great premium variation was found among low and high coverage level SADPs, respectively. Premiums of Health Maintenance Organization (HMO) SADPs were significantly less expensive than Preferred Provider Organization (PPO) SADPs. SADPs charged significantly higher premiums for more types of services covered. SADPs also charged higher premiums in states where there are larger proportions of low-income people who report poor dental health, more dentists per capita, or higher dentists’ wages. The number of insurance companies offering pediatric SADPs in a Marketplace was negatively associated with premiums. Conclusion: The current Marketplace pediatric SADPs may have limited effects on increasing economically disadvantaged children's access to quality dental care. Marketplaces can promote competition among its pediatric dental insurers on providing lower-cost pediatric SADPs.

Original languageEnglish (US)
JournalJournal of Public Health Dentistry
DOIs
StateAccepted/In press - Jan 1 2018

Fingerprint

Patient Protection and Affordable Care Act
Tooth
Pediatrics
Health Insurance Exchanges
Insurance Carriers
Health
Dentists
Preferred Provider Organizations
Dental Insurance
Insurance Coverage
Dental Care
Health Maintenance Organizations
Quality of Health Care
Salaries and Fringe Benefits
Vulnerable Populations
Insurance
Least-Squares Analysis

Keywords

  • Affordable Care Act.
  • Dental Insurance Premiums
  • Pediatric Dental Insurance

ASJC Scopus subject areas

  • Dentistry(all)
  • Public Health, Environmental and Occupational Health

Cite this

Factors affecting the Affordable Care Act Marketplace stand-alone pediatric dental plan premiums. / Qiao, Nan; Carroll, Aaron; Bell, Teresa Maria.

In: Journal of Public Health Dentistry, 01.01.2018.

Research output: Contribution to journalArticle

@article{4e09bc0fe69b495e95ac88d1504ed8fb,
title = "Factors affecting the Affordable Care Act Marketplace stand-alone pediatric dental plan premiums",
abstract = "Background: Children from lower income families have inadequate dental insurance coverage and poorer dental health in the United States. The Affordable Care Act (ACA) created Health Insurance Exchange Marketplaces to increase competition among health insurers and to provide low-income families with less costly health plans. The study examined Marketplace pediatric stand-alone dental plans (SADPs) and factors that affect their premiums. Methods: The data used were 2016 Federal-Facilitated and State-Partnership Marketplace pediatric SADP data. Ordinary least squares regressions were applied to estimate contributing factors’ effects on SADP premiums. Results: Great premium variation was found among low and high coverage level SADPs, respectively. Premiums of Health Maintenance Organization (HMO) SADPs were significantly less expensive than Preferred Provider Organization (PPO) SADPs. SADPs charged significantly higher premiums for more types of services covered. SADPs also charged higher premiums in states where there are larger proportions of low-income people who report poor dental health, more dentists per capita, or higher dentists’ wages. The number of insurance companies offering pediatric SADPs in a Marketplace was negatively associated with premiums. Conclusion: The current Marketplace pediatric SADPs may have limited effects on increasing economically disadvantaged children's access to quality dental care. Marketplaces can promote competition among its pediatric dental insurers on providing lower-cost pediatric SADPs.",
keywords = "Affordable Care Act., Dental Insurance Premiums, Pediatric Dental Insurance",
author = "Nan Qiao and Aaron Carroll and Bell, {Teresa Maria}",
year = "2018",
month = "1",
day = "1",
doi = "10.1111/jphd.12287",
language = "English (US)",
journal = "Journal of Public Health Dentistry",
issn = "0022-4006",
publisher = "Wiley-Blackwell",

}

TY - JOUR

T1 - Factors affecting the Affordable Care Act Marketplace stand-alone pediatric dental plan premiums

AU - Qiao, Nan

AU - Carroll, Aaron

AU - Bell, Teresa Maria

PY - 2018/1/1

Y1 - 2018/1/1

N2 - Background: Children from lower income families have inadequate dental insurance coverage and poorer dental health in the United States. The Affordable Care Act (ACA) created Health Insurance Exchange Marketplaces to increase competition among health insurers and to provide low-income families with less costly health plans. The study examined Marketplace pediatric stand-alone dental plans (SADPs) and factors that affect their premiums. Methods: The data used were 2016 Federal-Facilitated and State-Partnership Marketplace pediatric SADP data. Ordinary least squares regressions were applied to estimate contributing factors’ effects on SADP premiums. Results: Great premium variation was found among low and high coverage level SADPs, respectively. Premiums of Health Maintenance Organization (HMO) SADPs were significantly less expensive than Preferred Provider Organization (PPO) SADPs. SADPs charged significantly higher premiums for more types of services covered. SADPs also charged higher premiums in states where there are larger proportions of low-income people who report poor dental health, more dentists per capita, or higher dentists’ wages. The number of insurance companies offering pediatric SADPs in a Marketplace was negatively associated with premiums. Conclusion: The current Marketplace pediatric SADPs may have limited effects on increasing economically disadvantaged children's access to quality dental care. Marketplaces can promote competition among its pediatric dental insurers on providing lower-cost pediatric SADPs.

AB - Background: Children from lower income families have inadequate dental insurance coverage and poorer dental health in the United States. The Affordable Care Act (ACA) created Health Insurance Exchange Marketplaces to increase competition among health insurers and to provide low-income families with less costly health plans. The study examined Marketplace pediatric stand-alone dental plans (SADPs) and factors that affect their premiums. Methods: The data used were 2016 Federal-Facilitated and State-Partnership Marketplace pediatric SADP data. Ordinary least squares regressions were applied to estimate contributing factors’ effects on SADP premiums. Results: Great premium variation was found among low and high coverage level SADPs, respectively. Premiums of Health Maintenance Organization (HMO) SADPs were significantly less expensive than Preferred Provider Organization (PPO) SADPs. SADPs charged significantly higher premiums for more types of services covered. SADPs also charged higher premiums in states where there are larger proportions of low-income people who report poor dental health, more dentists per capita, or higher dentists’ wages. The number of insurance companies offering pediatric SADPs in a Marketplace was negatively associated with premiums. Conclusion: The current Marketplace pediatric SADPs may have limited effects on increasing economically disadvantaged children's access to quality dental care. Marketplaces can promote competition among its pediatric dental insurers on providing lower-cost pediatric SADPs.

KW - Affordable Care Act.

KW - Dental Insurance Premiums

KW - Pediatric Dental Insurance

UR - http://www.scopus.com/inward/record.url?scp=85053712126&partnerID=8YFLogxK

UR - http://www.scopus.com/inward/citedby.url?scp=85053712126&partnerID=8YFLogxK

U2 - 10.1111/jphd.12287

DO - 10.1111/jphd.12287

M3 - Article

C2 - 30238457

AN - SCOPUS:85053712126

JO - Journal of Public Health Dentistry

JF - Journal of Public Health Dentistry

SN - 0022-4006

ER -