退休和健康计划选择选择选择
Tobias Müller1, Mujaheed Shaikh2, Lukas Kauer3
1Bern University of Applied Sciences, Stadtbachstrasse 64, 3004, Bern, Switzerland.
Social science & medicine (1982)
|February 27, 2025
概括
退休期鼓励转向托管医疗保健计划,但许多人仍然选择低于最佳的选择. 需要改善消费者指导和简化选择,以便更好地选择健康计划.
科学领域:
- 卫生经济学 卫生经济学
- 行为经济学是一种行为经济学.
- 公共政策 公共政策
背景情况:
- 消费者经常表现出选择的坚持,选择低于最佳的健康计划.
- 了解影响健康计划选择的因素对于政策制定至关重要.
研究的目的:
- 分析退休对健康计划选择的影响.
- 调查退休是否影响健康计划扣除额的选择.
主要方法:
- 使用模糊回归不连续性设计,利用瑞士的养老金立法.
- 分析了来自84,731名年龄在61-68岁之间的个人 (2006-2014) 的保险索赔数据.
主要成果:
- 退休显著增加了从标准到管理护理计划的转换.
- 托管护理计划提供较低的保费,但限制了专业人员的访问.
- 退休没有显著影响自扣权的选择.
结论:
- 退休促使人们转向管理护理计划,但许多消费者仍在继续选择主导健康计划选择.
- 政策干预,包括个性化信息和简化选择架构,是改善健康计划选择的必要条件.
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