Research Symposium

BIO

Starienne is a second-year student at Florida State University pursuing a Bachelor of Science with a double major in Risk Management and Insurance & Business Management. In addition to her majors, she is earning a certification in Leadership Studies, with a growing foundation in business strategy, risk analysis, and leadership development.

Examining Post-Disaster Fluctuations in Marketplace Metal Levels Among Florida Households

Abstract

This research investigates how natural disaster losses influence individuals’ health insurance decisions within the Florida Health Insurance Marketplace. While natural disasters are traditionally analyzed through property damage, their secondary impact on health insurance remains under-examined. Utilizing a quantitative correlational design and regression analysis of state-level datasets, this study examines whether catastrophic property losses correlate with significant fluctuations in health coverage. Specifically, the analysis explores whether Florida households offset immediate environmental shocks by changing health coverage metal status at a time of heightened vulnerability. By identifying these patterns, we can provide a framework for policy interventions that bridge the gap between disaster relief and healthcare stability.   

Keywords: Insurance, Affordable Care Act, Healthcare, Catastrophes, Health Insurance