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In the early 1990s, several U.S. states enacted community rating regulations to equalize the private health insurance premiums paid by the healthy and the sick. Consistent with severe adverse selection pressures, I find that their private coverage rates fell by 8-11 percentage points more than rates in comparable markets over subsequent years. By the early 2000s, however, much of these losses had been recovered. The recoveries were coincident with substantial public insurance expansions (fordoi:10.2139/ssrn.2033424 fatcat:a7loylbb2ncjtcpzbgpibto4ke