Evidence map›Paper›PMID 40623252›Full record

ArticleHealth affairs (Project Hope)2025

Medigap Regulations Provide Protections For Beneficiaries, Especially After Health Shocks, But May Raise Premiums.

Jingwei Sun, Michael E Chernew, J Michael McWilliams, Boris Vabson, Timothy J Layton

Abstract read
In one paragraph

Article in Health affairs (Project Hope), 2025. The graph could read no effect estimate from its abstract, so it casts no vote on the map. Cited by 1 paper.

0numbers the graph read from it
0cells of the map it votes in
1citing papers in PubMed
–field-weighted citation impact
1 · What the graph read from it

What it found

Each row is one number read from the abstract, on the scale the paper reported it, with its interval. Left of the dashed line favours the treatment, right favours the comparator. Under each row is the sentence it came from. New to these charts? A ten-minute tutorial.

The abstract states no effect estimate the extractor could read, or names no intervention and outcome on the map, so this paper lights no cell and moves no belief. It is still indexed, cited and linked below.

2 · The registry

The trial behind it

Trials whose registry record cites this paper, or whose number appears in the abstract. A trial that started after this paper was published is citing it as background, not reporting it.

Neither the registry nor the abstract names a trial number. If this is a trial report, that itself is worth knowing.

3 · Its place in the literature

Who cites it

1 citing paper in PubMed.

  1. Article
4 · The record

Corrections and comments

PubMed lists nothing against this paper. Absence here is not a guarantee, only a check that was made.

5 · Who and what money

Authors and funding

5 authors.

Jingwei SunJingwei Sun (sun@hcp.med.harvard.edu), Harvard University, Boston, Massachusetts.
Michael E ChernewMichael E. Chernew, Harvard University.
J Michael McWilliamsJ. Michael McWilliams, Harvard University and Brigham and Women's Hospital, Boston, Massachusetts.
Boris VabsonBoris Vabson, Harvard University.
Timothy J LaytonTimothy J. Layton, University of Virginia, Charlottesville, Virginia, and National Bureau of Economic Research, Cambridge, Massachusetts.

Funding

Tradeoffs in the Design of Public Long-Term Care BenefitsP01AG032952 · NIA · HARVARD MEDICAL SCHOOL · PI Bruce E. Landon · 2009 to 2026
$39.0M
NIA NIH HHS P01 AG032952
6 · The paper itself

Abstract

Regulations for guaranteed issue and community rating for Medigap (supplemental) plans protect Medicare beneficiaries who want to leave the Medicare Advantage program from medical underwriting. These regulations, adopted in a handful of states, may be particularly valuable for beneficiaries with health shocks, defined as being newly diagnosed with a serious illness. Using a 20 percent random sample of Medicare beneficiaries from the period 2015-19, we found that disenrollment by those with health shocks was 2.75 percent in states with both regulations compared to 1.42 percent in states with neither regulation. The analogous estimates were 1.49 percent and 1.28 percent for those without health shocks. Whether these regulations are, on balance, beneficial depends on how one weighs the protection from underwriting against other consequences (such as higher Medigap premiums for low-risk beneficiaries).

Indexed as

Insurance CoverageMedicareMedicare Part CAgedFemaleHumansMaleUnited States

Identifiers

PMID40623252
PMCPMC12404693

What OpenQuestion holds

Textmetadata
LicenceTDM
Read underepoch 390

Registered trials

None linked

Read under generation 80e0d062 · epoch 390. Bibliography from PubMed, PubMed Central and OpenAlex; grants from NIH RePORTER; trial links from ClinicalTrials.gov; estimates, votes and beliefs from the OpenQuestion graph.