Insurance agents: ignored players in health insurance reform

Health Affairs
Vol. 17, No. 2
March 1998
Garnick, D.W., Swartz, K., Skwara, K.C.

In this paper we use the reforms to the individual health insurance market in New Jersey to illustrate the intricate interaction between insurance agents and insurance reform initiatives. Until recently, policymakers who designed reforms to the health insurance market largely ignored the role of agents in selling individual health insurance policies. These reforms have the potential to overturn the agent's traditional role, and agents can influence how the reforms are implemented.

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