Understanding the Consequences of Medical Underwriting, 1991-1992: [Minnesota] (ICPSR 6454)

Principal Investigator(s): Lurie, Nicole, Minneapolis Medical Research Foundation


This survey interviewed Minnesotans who were denied health insurance or were offered coverage with limitations due to pre-existing health conditions. Lapses in insurance coverage and their consequences were investigated. Respondents were queried about their current health insurance status, reasons for not having health insurance currently, out-of-pocket costs for current insurance, deductibles, and co-payments. In addition, they were questioned about reasons why they were denied health insurance, steps taken to obtain health insurance after denial, acceptance of health coverage with a limitation rider, and awareness of and enrollment in the Minnesota Comprehensive Health Association, a state-wide high-risk insurance pool. Other questions asked about respondents' health, limitations due to poor health, the amount of time spent worrying about health insurance or health care costs, familial conflicts caused by these worries, sacrifices incurred in education, vacations, and major purchases due to concerns about health insurance and health care, out-of-pocket costs for health care, the amount of unpaid medical bills, and delays in seeking medical care due to lack of money or insurance. The data include information on the respondents' age, gender, height, weight, race, education, marital status, employment status, occupation, and yearly household income.

Access Notes

  • The public-use data files in this collection are available for access by the general public. Access does not require affiliation with an ICPSR member institution.


DS1:  Data File - Download All Files (1.713 MB)
DS2:  SPSS Export File - Download All Files (0.421 MB)

Study Description


Lurie, Nicole. Understanding the Consequences of Medical Underwriting, 1991-1992: [Minnesota]. ICPSR06454-v1. Ann Arbor, MI: Inter-university Consortium for Political and Social Research [distributor], 1998. https://doi.org/10.3886/ICPSR06454.v1

Persistent URL: https://doi.org/10.3886/ICPSR06454.v1

Export Citation:

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This study was funded by:

  • Robert Wood Johnson Foundation (21482)

Scope of Study

Geographic Coverage:    Minnesota, United States

Time Period:   

  • 1991-09-01--1992-09-01

Date of Collection:   

  • 1993-02--1993-03

Universe:    Residents of Minnesota who were denied health care coverage due to pre-existing conditions from September 1, 1991, through September 1, 1992.

Data Type(s):    survey data


Sample:    Random sample of persons who were denied health insurance or were offered limited coverage by six insurance companies due to pre-existing conditions. Together, these companies provided health insurance to almost half of Minnesota's residents during the survey period. There were 6,124 names on the rejection lists supplied by these companies.

Data Source:

telephone interviews


Original ICPSR Release:   1995-08-16

Version History:

  • 1998-05-01 The codebook and frequencies addendum are now available as PDF files.

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