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February 2019
Article

Does It Matter If Your Health Insurer Is For Profit? Effects of Ownership on Premiums, Insurance Coverage, and Medical Spending

By: Leemore S. Dafny

There is limited empirical evidence about the impact of for-profit health insurers on various outcomes. I study the effects of conversions to for-profit status by Blue Cross Blue Shield (BCBS) affiliates in 11 states, spanning 28 geographic markets. I find both the... View Details

Keywords: Health Insurance; Medical Loss Ratio; Blue Cross; Corporate Governance; Health; Insurance; For-Profit Firms; Insurance Industry; United States

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August 2014
Case

Blue Cross Blue Shield of Florida, Inc.

By: Regina E. Herzlinger and Meng Li

Keywords: Health; Health Care Industry; Health Insurance; United States; Health Care and Treatment; Health Industry; United States; Florida

March 2011 (Revised March 2011)
Case

Horizon Blue Cross Blue Shield of New Jersey - Managing in the Shadow of Health Care Reform

By: Felix Oberholzer-Gee, Raffaella Sadun and Richard G. Hamermesh

Per the Patient Protection and Affordable Care Act (PPACA), which President Obama signed in 2010, states would be required to create state-wide health insurance marketplaces - the Health Benefit Exchanges (HBEs) - in which individuals and small employers could choose... View Details

Keywords: Insurance; Health Care and Treatment; Governing Rules, Regulations, and Reforms; Emerging Markets; Risk and Uncertainty; Health Industry; Insurance Industry; New Jersey

January 2008 (Revised August 2012)
Case

Retail Sales of Health Insurance: Blue Cross Blue Shield of Florida

By: Regina E. Herzlinger and Grady Clouse

The BCBS of Florida is contemplating whether to enter the consumer-driven health care market and if so, whether to target such groups—and individuals—and in which of its geographic markets, and how. View Details

Keywords: Health Care and Treatment; Nonprofit Organizations; Strategy; Insurance; Insurance Industry; Florida

July 1996
Teaching Note

Empire Blue Cross and Blue Shield (A)-(H) TN

By: Regina E. Herzlinger and Ramona Hilgenkamp

Teaching Note for (9-195-216--223). View Details

Keywords: Insurance Industry

April 1995 (Revised August 1995)
Case

Empire Blue Cross and Blue Shield (A)

By: Regina E. Herzlinger and Ramona Hilgenkamp

Mounting financial losses and increasing public scrutiny present many challenges to the board of directors of a large nonprofit health insurer. This case series presents chronologically the increasing problems of the company. View Details

Keywords: Governing and Advisory Boards; Corporate Governance; Financial Condition; Organizational Culture; Problems and Challenges; Nonprofit Organizations; Insurance Industry

April 1995 (Revised August 1995)
Supplement

Empire Blue Cross and Blue Shield (B)

By: Regina E. Herzlinger and Ramona Hilgenkamp

Supplements the (A) case. View Details

Keywords: Insurance Industry; Health Industry

April 1995 (Revised August 1995)
Supplement

Empire Blue Cross and Blue Shield (C)

By: Regina E. Herzlinger and Ramona Hilgenkamp

Supplements the (A) case. View Details

Keywords: Insurance Industry; Health Industry

April 1995 (Revised August 1995)
Supplement

Empire Blue Cross and Blue Shield (D)

By: Regina E. Herzlinger and Ramona Hilgenkamp

Supplements the (A) case. View Details

Keywords: Insurance Industry; Health Industry

April 1995 (Revised August 1995)
Supplement

Empire Blue Cross and Blue Shield (E)

By: Regina E. Herzlinger and Ramona Hilgenkamp

Supplements the (A) case. View Details

Keywords: Insurance Industry; Health Industry

April 1995 (Revised August 1995)
Supplement

Empire Blue Cross and Blue Shield (F)

By: Regina E. Herzlinger and Ramona Hilgenkamp

Supplements the (A) case. View Details

Keywords: Insurance Industry; Health Industry

April 1995 (Revised August 1995)
Supplement

Empire Blue Cross and Blue Shield (G)

By: Regina E. Herzlinger and Ramona Hilgenkamp

Supplements the (A) case. View Details

Keywords: Insurance Industry; Health Industry

April 1995 (Revised August 1995)
Supplement

Empire Blue Cross and Blue Shield (H)

By: Regina E. Herzlinger and Ramona Hilgenkamp

Supplements the (A) case. Contains a denouement. View Details

Keywords: Insurance Industry; Health Industry

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