کد مقاله کد نشریه سال انتشار مقاله انگلیسی نسخه تمام متن
7363546 1478977 2014 10 صفحه PDF دانلود رایگان
عنوان انگلیسی مقاله ISI
Plan choice, health insurance cost and premium sharing
ترجمه فارسی عنوان
برنامه ریزی انتخاب، هزینه بیمه درمانی و به اشتراک گذاری حق بیمه
موضوعات مرتبط
علوم پزشکی و سلامت پزشکی و دندانپزشکی سیاست های بهداشت و سلامت عمومی
چکیده انگلیسی
We develop a model of premium sharing for firms that offer multiple insurance plans. We assume that firms offer one low quality plan and one high quality plan. Under the assumption of wage rigidities we found that the employee's contribution to each plan is an increasing function of that plan's premium. The effect of the other plan's premium is ambiguous. We test our hypothesis using data from the Employer Health Benefit Survey. Restricting the analysis to firms that offer both HMO and PPO plans, we measure the amount of the premium passed on to employees in response to a change in both premiums. We find evidence of large and positive effects of the increase in the plan's premium on the amount of the premium passed on to employees. The effect of the alternative plan's premium is negative but statistically significant only for the PPO plans.
ناشر
Database: Elsevier - ScienceDirect (ساینس دایرکت)
Journal: Journal of Health Economics - Volume 35, May 2014, Pages 179-188
نویسندگان
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