@techreport{7ef1bda5a4024bac99a005a9dbe41eb1,
title = "The Impact of Tort Reform on Employer-Sponsored Health Insurance Premiums",
abstract = "We evaluate the effect of tort reform on employer-sponsored health insurance premiums by exploiting state-level variation in the timing of reforms. Using a dataset of healthplans representing over 10 million Americans annually between 1998 and 2006, we find that caps on non-economic damages, collateral source reform, and joint and several liability reform reduce premiums by 1 to 2 percent each. These reductions are concentrated in PPOs rather than HMOs, suggesting that can HMOs can reduce {"}defensive{"} healthcare costs even absent tort reform. The results are the first direct evidence that tort reform reduces healthcare costs in aggregate; prior research has focused on particular medical conditions.",
author = "Ronen Avraham and Dafny, {Leemore S} and Schanzenbach, {Max M}",
note = "September 2009.",
year = "2009",
month = sep,
doi = "10.3386/w15371",
language = "אנגלית",
series = "NBER working paper series",
publisher = "National Bureau of Economic Research",
type = "WorkingPaper",
institution = "National Bureau of Economic Research",
}