医疗保险优势计划投标和计划支付之间的分歧越来越大
1Price School of Public Policy, Schaeffer Center, University of Southern California, Los Angeles, CA 90089, United States.
Health affairs scholar
|August 26, 2024
概括
由于支付调整,医疗保险优势 (MA) 过度支付仍然存在,尽管竞价较低,但仍然存在. 目前的规则可能需要政策改革,以控制联邦成本的上升.
科学领域:
- 卫生经济学 卫生经济学
- 公共卫生政策 公共卫生政策
- 医疗保险计划分析
背景情况:
- 医疗保险优势 (MA) 的招生数量和成本不断增加,引发了人们对联邦支付水平的担忧.
- 估计显示,在2023年,每名注册者收到的MA计划比传统的医疗保险 (TM) 高出多达6%.
- 了解支付动态对于财政可持续性至关重要.
研究的目的:
- 评估导致医疗保险优势超额支付的因素.
- 从可负担医疗法案 (ACA) 之前到2023年,描述MA基准,投标和总支付的趋势.
- 确定对MA支付结构的政策影响.
主要方法:
- 对MA基准,投标和支付总额的趋势分析.
- 付款表格MA组件的分解.
- 检查包括风险调整,质量奖励和四分之一支出调整在内的因素.
主要成果:
- 尽管与TM成本相比,风险调整后报价下降,但自2015年以来,MA支付总额有所增加.
- 基准和投标的不同趋势受到支付调整的影响.
- 质量奖金,风险调整和四分之一支出调整有助于支付增加.
结论:
- 目前的医疗保险优势支付规则有助于联邦过度支付.
- 政策改革可能是必要的,以解决发现的支付效率低下问题.
- 对MA支付机制的进一步研究是有必要的.
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