使用补充私人保险估计公共保险的价值
Marika Cabral1, Mark R Cullen2
1Department of Economics, University of Texas at Austin, 2225 Speedway, BRB 2.152, Austin, TX 78712, and NBER.
American economic journal. Economic policy
|February 12, 2024
概括
量化公共保险福利是有挑战的,因为没有观察到的需求. 这项研究使用私人保险数据来估计公共残疾保险的福利收益,这表明增加慷慨可能是有益的.
科学领域:
- 经济学 经济学 经济学
- 公共政策 公共政策
- 保险市场 保险市场 保险市场
背景情况:
- 公共保险的福利分析因未观察到的保险需求而复杂化.
- 私人保险数据为推断公共计划对福利的影响提供了一个潜在的途径.
- 残疾人保险是一个重要的社会福利计划,具有复杂的覆盖力学.
研究的目的:
- 开发和应用一种新的方法来量化强制性公共保险对福利的影响.
- 使用行政数据估计与公共残疾保险相关的福利收益.
- 探索增加公共残疾保险覆盖的慷慨的潜在好处.
主要方法:
- 利用私人补充保险的变化来代替未观察到的对公共保险的需求.
- 应用计量经济学方法对有关残疾保险入学和福利的行政数据.
- 根据观察到的私人保险行为进行反事实福利分析.
主要成果:
- 公共残疾保险为保险人群产生了相当大的福利余.
- 目前公共残疾保险的慷慨可能无法完全捕捉到潜在的福利收益.
- 有证据表明,现有的公共残疾保险制度对福利产生了积极的影响.
结论:
- 拟议的方法有效地使用私营市场数据量化公共保险对福利的影响.
- 公共残疾保险为受益人提供了显著的经济利益.
- 政策考虑应包括通过增强残疾保险慷慨改善福利的潜力.
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