融合农村和城市ACA评级区改善了选择,在德克萨斯州农村的保险费
Simon F Haeder1, Elena Andreyeva2, Daniel Marthey3
1Simon F. Haeder (sfhaeder@tamu.edu), Texas A&M University, College Station, Texas.
Health affairs (Project Hope)
|November 6, 2023
概括
德克萨斯州调整了"负担得起的医疗保健法案"市场评级区域,将农村地区纳入城市市场. 这一变化增加了农村消费者对医疗保险公司和计划的选择,同时降低了保费.
科学领域:
- 卫生经济学 卫生经济学
- 农村卫生政策 农村卫生政策
- 保险市场监管 保险市场监管
背景情况:
- 农村消费者经历了有限的医疗保险选择和更高的成本.
- 负担得起的医疗保健法案 (ACA) 市场旨在扩大医疗保险的获取.
- 地理评级区域显著影响保险计划的可用性和定价.
研究的目的:
- 评估德克萨斯州修订的ACA市场评级区域对农村消费者的影响.
- 评估医疗保险公司的变化,并为农村人口制定计划选择.
- 为了确定评级区调整对农村医疗保险保费的影响.
主要方法:
- 分析德克萨斯州对ACA市场评级地区的调整,融合农村和城市地区.
- 在政策变化之前和之后,对农村地区的运营商和计划多样性的比较评估.
- 评估农村就业者的平均医疗保险保费变化.
主要成果:
- 融入城市市场的农村地区经历了可用医疗保险公司的显著增加.
- 农村消费者提供的计划选择数量在调整后扩大.
- 根据评级区域的修订,农村消费者的整体医疗保险费率下降.
结论:
- 修订 ACA 市场评级区域,将农村地区纳入城市市场,可以加强保险竞争.
- 整合农村和城市评级区的政策调整显示出改善农村人口医疗保险负担能力和获取机会的潜力.
- 该战略提供了一种可行的方法来缓解服务不足的农村地区的保险市场差异.
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