chapter  3
What have we learned from research on individual market reform?
ByDEBORAH CHOLLET
Pages 19

Despite its small size, the individual health insurance market plays an important role in a voluntary, private-public “system” of health insurance. At least in principle, it accommodates the population without access to either an employer plan or a public program. These include primarily workers and their families, but also a significant proportion of selfemployed individuals, retirees, and dependents.