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Home > For the Media Home > Biosketches > By Topic > Individual Insurance Markets

Biosketches - Individual Insurance Markets

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Individual Health Insurance Markets: Research on non-group health insurance markets focuses on ways in which individual health insurance markets can be expanded to increase coverage of the uninsured.
Kapur, Kanika
Keenan, Patricia
Lo Sasso, Anthony T.
Marquis, Susan

Kanika Kapur is an economist with RAND in Santa Monica, California. She received her Ph.D. in 1997 from Northwestern University and her B.A. in 1992 from Dartmouth College. Her research interests span several areas of health and labor economics. She has authored several studies that examine the labor market implications of employer provided health insurance. She has also studied the role of individual health insurance market in reaching the uninsured. In other work, she has examined the determinants of health expenditures, including the importance of health plan structure and the role of socio-economic and racial characteristics.

Patricia Seliger Keenan is a postdoctoral fellow in Aging and Health Economics at the National Bureau of Economic Research. Next year, she will be an assistant professor at the Yale School of Public Health. She received a PhD in Health Policy from Harvard University in 2005. Her research focuses on health insurance markets, aging policy, and health care regulation and politics.

Anthony T. Lo Sasso, Ph.D., is an Associate Professor and Senior Research Scientist in the Health Policy and Administration Division at the School of Public Health at the University of Illinois at Chicago. Dr. Lo Sasso is an economist and applied econometrician whose research spans several dimensions of health and labor economics and health services research. He received his doctorate in economics in 1996 from Indiana University, Bloomington. He is currently in the final year of a 5-year Independent Scientist Award from the Agency for Healthcare Research and Quality studying workplace health benefits and how they affect employee health. As part of this broad research agenda, Dr. Lo Sasso has recently completed a study funded by the National Institute of Mental Health to examine the impact of an expansion of mental health benefits on cost and quality of care at a Fortune 50 manufacturing firm. In addition, Dr. Lo Sasso is currently studying the nascent consumer-driven health care movement and its potential impact on employer-sponsored health insurance and employee health. Other recent research has examined the effect of copayment levels on the use of employer-provided substance abuse benefits. Additionally, he has explored the extent of so-called “responsible purchasing” by employers: the degree to which employers collect and use non-financial information in selecting and managing employee health care plans.

Dr. Lo Sasso is also keenly interested in how government policies affect private sector decisions. He has studied the impact of the State Children's Health Insurance Program on uninsurance among children and the extent to which public coverage may have “crowded out” private coverage of children. He currently has a grant to study how community rating provisions in state non-group health insurance markets affect non-group health insurance coverage and uninsurance. Dr. Lo Sasso also has recently completed a project funded by the Robert Wood Johnson Foundation's Changes in Health Care Financing and Organization initiative to study how the availability of safety net health care services affects the willingness of firms to offer health insurance and the willingness of employees to take-up health insurance when it is offered.

M. Susan Marquis (Ph.D., Economist, University of Michigan, 1978) is a Senior Economist at RAND in Washington, DC. She has over 30 years experience in analysis of health policy issues. Her research emphasizes policies to expand health insurance coverage and the effect of financing on access to health care. Dr. Marquis recently led a project to study the individual insurance market in California and explore how financial subsidies and other public policy might increase the role that market plays in covering the uninsured. She also recently completed a simulation study of the effects of California's pay or play employer mandate that was enacted in 2003 and subsequently narrowly overturned in referendum. She has led studies of the effect of state insurance market reforms, of Medicare beneficiary choices among alternative types of health plans, the demand for supplementary health insurance, and the effects of alternative financing policies on demand for private and public insurance. She has participated in designing and implementing evaluations of innovative financing arrangements and was a member of the RAND Health Insurance Experiment analysis team. She has served on advisory and technical panels for HCFA, the Agency for Health Care Policy and Research, the Physician Payment Review Commission, the National Institutes of Health, The Robert Wood Johnson Foundation, and the Washington Business Group on Health. She has presented her research before academic and policy audiences, including testimony before the Senate Committee on Labor and Human Resources. She received the NIHCM Sixth Annual Health Care Research Award in 1999.