Evaluation of Reforms of the Market for Individual Health Insurance Coverage in New Jersey

Researchers at Harvard University and Brandeis University conducted a three-part evaluation of reform of New Jersey’s individual health insurance market implemented in August 1993. By gathering information from interviews with state officials and insurance executives, as well as from a survey of people enrolled in the individual insurance program, the researchers examined who enrolls in individual policies, what aspects of the reforms most influenced their choices, and what key players perceive as the strengths and weaknesses of the reforms. The objective of this project was to provide state and national policymakers considering various insurance market reforms with information about how well these reforms have allowed New Jersey to meet its program goals.