在Healthcare.gov上为低成本银色计划提供动态价格竞争 2014-2021年
Daniel Ludwinski1, David M Anderson2
1Emory University, Oxford, GA, USA.
Medical care research and review : MCRR
|July 3, 2023
概括
许多负担得起的医疗保健法案 (ACA) 登记者可能每年为医疗保险支付更多费用. 保险公司经常改变其最便宜的银计划,需要消费者每年仔细重新评估.
科学领域:
- 卫生政策 卫生政策
- 医疗保险市场 医疗保险市场
- 消费者经济学的消费者经济学
背景情况:
- 数以百万计的人依靠"负担得起的医疗保健法案" (ACA) 的医疗保险市场.
- 溢价补贴通常与第二便宜的银计划有关.
- 计划选择需要仔细考虑,因为成本各不相同.
研究的目的:
- 为了检查Healthcare.gov.gov上最便宜的银计划的年度一致性.
- 量化由于计划变更而对ACA入学者的潜在财务影响.
主要方法:
- 从Healthcare.gov分析了2014-2021政策年度的计划数据.
- 评估了保险公司在提供最便宜的银计划方面的一致性,按县和人口划分.
- 预计与消费者不注意计划变化相关的溢价成本.
主要成果:
- 同一个保险公司每年在63.1%的县 (占人口的54.7%) 提供最便宜的银计划.
- 然而,保险公司几乎一半的时间都引入了新的,更便宜的计划,即使保持了最便宜的计划.
- 消费者的注意力不集中可能会导致出口袋的溢价成本增加.
结论:
- ACA市场注册者面临潜在的成本上,如果他们不每年重新评估他们的计划选择.
- 保险公司的计划产品创造了一个动态的环境,需要消费者积极参与.
- 了解这些市场动态对于政策制定者和消费者来说至关重要,以确保可负担性.
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