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

Published: May 1, 1998

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


Version V1

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.

Lurie, Nicole. Understanding the Consequences of Medical Underwriting, 1991-1992: [Minnesota]. Ann Arbor, MI: Inter-university Consortium for Political and Social Research [distributor], 1998-05-01. https://doi.org/10.3886/ICPSR06454.v1

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Robert Wood Johnson Foundation (21482)

1991-09-01 -- 1992-09-01

1993-02 -- 1993-03

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.

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

telephone interviews

survey data



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


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This study is maintained and distributed by the Health and Medical Care Archive (HMCA). HMCA is the official data archive of the Robert Wood Johnson Foundation.