年龄处罚和采用私人医疗保险
Nathan Kettlewell1, Yuting Zhang2
1University of Technology Sydney, Sydney, New South Wales, Australia.
Health economics
|December 23, 2023
概括
医疗保险注册的经济处罚可以鼓励早期注册. 一项针对澳大利亚纳税人的研究发现,基于年龄的罚款在31岁时增加了入学率,但对随后的罚款的影响较小.
科学领域:
- 卫生经济学 卫生经济学
- 公共政策 公共政策
- 行为经济学是一种行为经济学.
背景情况:
- 财政处罚被提议以促进医疗保险入学率.
- 关于这些处罚,特别是基于年龄的处罚有效性的证据有限.
- 了解个人对此类政策的反应对于市场设计至关重要.
研究的目的:
- 调查基于年龄的逐步经济处罚对医疗保险入学的因果关系.
- 分析个人如何随着时间的推移对不同级别的处罚做出反应.
- 模拟罚款和潜在政策改革的影响.
主要方法:
- 利用了澳大利亚纳税人的大量行政数据集 (10%的随机样本).
- 使用回归不连续性设计来利用基于年龄的处罚门.
- 分析了医疗保险采用率在31岁时引入罚款时的变化.
主要成果:
- 延迟超过31岁的每年2%的保费附加费显著增加了31岁的入学率 (0.78-3.69个百分点).
- 在最初的门之后,个人对随后的罚款增加没有那么强烈的反应.
- 模拟表明,轻微的政策修改对保险人年龄分布,保险费或整体采用率的影响最小.
结论:
- 最初引入基于年龄的经济处罚有效地激励了早期的医疗保险入学.
- 对于随后的处罚级别,有效性会下降,这表明行为反应的潜在限制.
- 调查结果为决策者提供了宝贵的见解,他们正在考虑在医疗保险市场上实施财务处罚.
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