为什么雇主赞助的保险的成本不断上升?
Salpy Kanimian1, Vivian Ho1,2,3
1Department of Economics, Rice University, Houston, TX, 77005, United States.
Health affairs scholar
|June 25, 2024
概括
高昂的医院费用,而不是保险公司,正在推动工人的医疗保险成本上升. 医院持续显示较高的利率,推动了保费的增加,并影响了医疗保健的负担能力.
科学领域:
- 卫生经济学 卫生经济学
- 医疗保健政策 医疗保健政策
- 公共卫生 公共卫生
背景情况:
- 医疗保险成本的上超过了25年来工资增长的速度.
- 关于医院还是保险公司对不断上升的医疗保健费用负有责任,公众的意见是分歧的.
- 医疗保健的负担能力是美国工人的一个主要问题.
研究的目的:
- 分析医疗保险成本上升的驱动因素.
- 为了比较医院和医疗保险公司的价格趋势和利率.
- 确定医院定价对保险费的影响.
主要方法:
- 使用劳工统计局数据检查了医疗保险,医院服务和专业服务 (2006-2023) 的消费者价格指数.
- 营利性和非营利性医院和保险公司的评估利率.
- 利用国家卫生政策医院成本工具和国家保险专员协会行业报告.
主要成果:
- 从2006年到2023年,医院价格指数稳步增长,超过了保险费和专业服务.
- 与保险公司相比,医院始终保持较高的利率.
- 分析表明,高医院价格是增加保险费的主要驱动因素.
结论:
- 高昂的医院费用是导致医疗保险成本上升的主要因素.
- 医院持续较高的利率直接影响保险费率的上.
- 解决医院定价问题对于提高工人医疗保健负担能力至关重要.
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