Social and Behavioral Sciences Commons^™

Diagnosing Market Inefficiency: The Impact Of Consolidation In The Private Health Insurance Market On Healthcare Costs In The United States, Zachary Ising

West Chester University Doctoral Projects

This study presents a critical analysis of the relationship between the market concentration of private health insurance companies and per capita healthcare costs in the United States. It explores the hypothesis that consolidation within the private health insurance sector, driven by frequent mergers and acquisitions, contributes to a dysfunctional healthcare system characterized by high consumer costs. The study investigates the degree of market concentration in the health insurance sector from 2017 to 2020, focusing on healthcare costs per capita as the dependent variable, and employing independent variables such as market data of health insurers, the Herfindahl-Hirschman Index (HHI), and the …