<under construction: some contract PDF files still being uploaded and checked>

These data include PDF files of 1496 health insurance contracts from the year 2019 in the United States. They come from 40 corporations [self-insured plans using third party administrators (TPAs)] and health insurance contracts from the individual, small group, and large group markets sold in the states of CA and MI.

We drew these contracts from AXIACI from Leverage Global Consulting, a proprietary database that contains insurance plan offerings and coverage from private and public insurance market segments. Our use of the proprietary database for the purposes of public policy research and analysis in health insurance is governed by a data use agreement between Leverage and Professor Anna Kirkland. There are also health insurance contracts from the individual, small group, and large group markets sold in the states of CA and MI in 2019.

We use the term “contract” to mean the Summary Plan Documents (SPD), which is the roughly 100-200 page document that an individual gets from their health insurance company describing coverage and exclusions. These are the documents contained here. Other documents include the Member Handbook, Certificate of Coverage, Summary of Benefits and Coverage, Subscribers Contract, medical policies, and drug formulary, all of which are distinct and differently regulated documents.

These data include PDF files of 1496 health insurance contracts from the year 2019 in the United States. They come from 40 corporations [435 self-insured plans using third party administrators (TPAs)] and health insurance contracts from the individual, small group, and large group markets sold in the states of CA (852 plans) and MI (209 plans). The Excel spreadsheet is our coding sheet for all of these contracts analyzing transgender health care coverage options.

We drew these contracts from AXIACI from Leverage Global Consulting, a proprietary database that contains insurance plan offerings and coverage from private and public insurance market segments. Our use of the proprietary database for the purposes of public policy research and analysis in health insurance is governed by a data use agreement between Leverage and Professor Anna Kirkland.

We use the term “contract” to mean the Summary Plan Documents (SPD), which is the roughly 100-200 page document that an individual gets from their health insurance company describing coverage and exclusions. These are the documents contained here. Other documents include the Member Handbook, Certificate of Coverage, Summary of Benefits and Coverage, Subscribers Contract, medical policies, and drug formulary, all of which are distinct and differently regulated documents.