在医疗保险优势计划设计中捕获和收获
1Department of Economics, 435 PLC, 1285, University of Oregon, Eugene, OR 97403, USA.
Health affairs scholar
|June 25, 2024
概括
医疗保险计划利用消费者的惯性,随着市场份额的增长而增加保费和自付费用. 在Medicare Advantage (MA) 中观察到的这种定价策略,显示计划每增加1%的市场份额,成本会增加1%.
科学领域:
- 卫生经济学 卫生经济学
- 市场行为分析市场行为分析
- 保险市场动态 保险市场动态
背景情况:
- 在医疗保险市场中,由供应商关系和转换成本驱动的消费者惯性是普遍存在的.
- 在惯性市场中,供应商经常根据市场份额调整价格,降低价格以获得份额,并提高价格以获利.
研究的目的:
- 调查医疗保险优势 (MA) 计划赞助商是否采用基于市场份额的定价策略.
- 分析MA计划市场份额变化与计划财务条款的后续调整之间的关系.
主要方法:
- 利用具有固定效应的第一差异模型来分析从2007年到2021年的数据.
- 检查了MA计划赞助商如何根据市场份额波动改变保费,共同付款和自付限额.
主要成果:
- 发现有大量证据表明,随着市场份额的增长,MA计划会增加保费,共同付款和自付额度.
- 量化,市场份额增长1%与计划赞助商的自付成本随后增长1%有关.
结论:
- 医疗保险优势计划的赞助商似乎利用市场份额的增长来增加消费者的成本.
- 调查结果表明,市场力量影响MA市场的定价策略,可能增加受益人的财务负担.
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