保险的要求和授权的理由:来自工人赔偿保险的证据
Marika Cabral1, Can Cui2, Michael Dworsky3
1University of Texas at Austin Department of Economics and NBER.
概括
这项研究分析了在没有授权的市场上对工人赔偿保险的需求. 调查结果显示,保费增加减少了保险覆盖率,这表明授权可能无法通过市场失败来证明其合理性.
科学领域:
- 经济学 经济学 经济学
- 保险市场 保险市场 保险市场
- 公共政策 公共政策
背景情况:
- 工人赔偿保险通常是强制性的,涵盖与工作有关的伤害.
- 没有覆盖任务的独特市场可以进行需求估计.
- 监管溢价更新作为一种识别策略.
研究的目的:
- 估计在非强制性市场上对工人赔偿保险的需求.
- 评估政府干预的潜在理由,如授权.
- 分析保费变化对保险覆盖的影响.
主要方法:
- 利用来自一个缺乏工人赔偿保险授权的独特市场的行政数据.
- 员工监管溢价更新用于确定需求弹性.
- 计算了保费变化对保险覆盖率的影响.
主要成果:
- 工人赔偿保险保费增加1%相当于覆盖率下降0.3%.
- 进行了成本分析和需求估计.
- 研究了基于市场失败的政府干预的理由.
结论:
- 在这种特定的环境中,市场故障,如不利选择,市场力量和外部因素可能无法为工人赔偿保险授权提供充分的理由.
- 这些发现有助于讨论强制性保险政策的必要性和有效性.
- 进一步的研究可以探索替代政策干预或特定行业背景.
关键词:
在G5252中使用.J28 J28 是一个词.在JEL G2222中使用.K1313 K13 K13 K13 K13 K13 K13 K13 K13 K13 K13 K13 K13 K13 K13 K13 K13 K13 K13 K13 K13 K13 K13 K13 K13 K13 K13 K13 K13 K13 K13 K13 K13 K13 K13 K13 K13 K13 K13 K13 K13 K13 K13 K13 K13 K13 K13 K13 K13 K13 K13 K13 K13 K13 K13 K13 K13 K13 K13 K13 K13 K13 K13 K13 K13 K13 K13 K13 K13 K13 K13 K13 K13 K13 K13 K13 K13 K13 K13 K13 K13 K13 K13 K13K3131 K31 K31 K31 K31 K31 K31 K31 K31 K31 K31 K31 K31 K31 K31 K31 K31 K31 K31 K31更多相关视频
06:55Inverse Probability of Treatment Weighting Propensity Score using the Military Health System Data Repository and National Death Index
Published on: January 8, 2020
14.5K
07:28A Contusive Model of Unilateral Cervical Spinal Cord Injury Using the Infinite Horizon Impactor
Published on: July 24, 2012
19.6K
相关概念视频
Standards of Care I
692
Federal statutes profoundly impact nursing practice, providing critical guidelines to ensure patient care is equitable, accessible, and of the highest quality. The following laws address distinct aspects of healthcare provision and patient rights:
692
Obedience
32.9K
According to obedience research, we may harm others under the forceful pressures of an authority figure (Milgram, 1974). How about if the inappropriate orders were delivered with less force? The increasing interdependence between nurses and physicians compelled Hofling and his colleagues to explore nurses’ reactions to a potentially harmful medical request made by the perceived authority figure, the doctor (Hofling, Brotzman, Dalrymple, Graves, & Pierce, 1966). In this situation,...
32.9K
Standards of Care II
655
Nurses bear specific legal responsibilities under several federal statutes, including:
655
Introduction To Health Care Delivery System
2.7K
The healthcare system is constantly changing and complex. Various services are available from different healthcare providers, but gaining access to these services has become challenging for people with limited healthcare insurance. Uninsured people present a challenge to healthcare because they frequently postpone or forego treatment.
The Institute of Medicine (IOM) advocates for a patient-centered, effective, safe, timely, equitable, and effective healthcare system. The National Priorities...
The Institute of Medicine (IOM) advocates for a patient-centered, effective, safe, timely, equitable, and effective healthcare system. The National Priorities...
2.7K
Methods of Documentation VI: Case Management Model
573
The case management model is a multidisciplinary approach that involves healthcare professionals from diverse disciplines, such as physicians, nurses, therapists, social workers, and pharmacists, working collaboratively to address the various needs of patients. Each healthcare professional brings unique expertise and perspectives, contributing to a more comprehensive understanding of the patient's condition and tailoring treatment plans accordingly.
For example, a patient with a chronic...
For example, a patient with a chronic...
573
Issues And Trends In Healthcare Delivery System
5.6K
The issues and trends in healthcare delivery are constantly changing. The COVID-19 pandemic is one recent issue that wreaked havoc on healthcare systems, causing a shortage of healthcare workers, high demand for medicines and supplies, and increased medical expenditure due to a lack of insurance. Other issues include rising healthcare costs and care fragmentation.
Cost Containment
Payment for healthcare services has historically promoted adoption of costly and often unnecessary or inefficient...
Cost Containment
Payment for healthcare services has historically promoted adoption of costly and often unnecessary or inefficient...
5.6K
