个人健康保险中的定价法规:Medigap的证据
1Department of Health Policy and Management, T.H. Chan School of Public Health, Harvard University, United States of America.
Journal of health economics
|August 9, 2023
概括
与保证续期相比,社区评级法规减少了Medigap注册和增加保费. 这影响了患有慢性疾病的个人,导致延迟购买保险.
科学领域:
- 卫生经济学 卫生经济学
- 保险规章制度 保险规章制度 保险规章制度
- 公共卫生政策 公共卫生政策
背景情况:
- 医疗保险定价法规旨在保护具有先前存在条件的个人.
- 社区评级和保证续期是两种不同的保费监管方法.
- 了解这些法规的影响对于消费者保护和市场稳定至关重要.
研究的目的:
- 为了比较社区评级与保证续期对Medigap入学和购买行为的影响.
- 量化对有健康状况的个人入学率,保费和购买时间的影响.
主要方法:
- 利用了2006-2010年个体级的Medigap数据.
- 采用了一种准实验性设计,比较靠近国家边界的个人与不同的监管制度 (社区评级与保证更新).
- 分析了Medigap注册,保险费和购买时间的差异.
主要成果:
- 社区评级,有保证发行,与保证续签相比,Medigap入学率下降了9.70个百分点 (29.7%).
- 对于具有低支出 (26.8-33.7%) 和高支出 (21.9-29.9%) 慢性疾病的个人来说,入学率的减少是显著的.
- 社区评级导致每年Medigap保费增加276美元 (10.1%),购买延迟增加1.08年 (17.0%).
结论:
- 社区评级法规虽然旨在保护,但可能无意中减少Medigap入学率并增加弱势群体的成本.
- 这些发现表明,在社区评级下,在统一的定价和市场准入/负担能力之间存在权衡.
- 政策影响包括需要平衡消费者保护,确保在Medigap市场上提供足够的招生和负担得起的保险费.
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