医疗保险优势和Medigap计划供应,入学和保费的趋势
Andrew M Ryan1, Anupama Warrier2, Geronimo Bejarano1
1Department of Health Services, Policy, and Practice, Brown University School of Public Health, Providence, Rhode Island, USA.
Health services research
|March 15, 2025
概括
医疗保险优势 (MA) 注册人数显著增长,而Medigap产品保持稳定. 医疗补助计划在拥有更严格法规的州更昂贵,更难获得,因此需要对负担得起的补充保险进行改革.
科学领域:
- 医疗保健服务研究 医疗服务研究
- 卫生经济学 卫生经济学
- "保险条例"中的保险条例.
背景情况:
- 医疗保险优势 (MA) 和Medigap是医疗保险受益人补充医疗保险的关键组成部分.
- 国家法规显著影响Medigap和MA计划的可用性和成本.
研究的目的:
- 分析医疗保险优势 (MA) 和Medigap计划的供应,入学和保费的趋势.
- 为了比较不同州监管环境中的这些趋势,Medigap.
主要方法:
- 利用了2014-2021年关于MA和Medigap产品,注册和保费的国家数据.
- 国家分为监管组:社区评级/担保发行,只有社区评级,没有额外的监管.
- 使用经通货膨胀调整的Paasche价格指数计算保费.
主要成果:
- MA的入学人数大幅增加,而Medigap的报价和入学人数保持相对稳定 (2014-2021年).
- 具有社区评级和保证发行法规的州的Medigap供应较低,MA供应较高.
- 中间隔保险费明显高于MA保险费,特别是在有更严格法规的州.
结论:
- 中间隔保险费大大高于MA保险费,特别是在有发行保证和社区评级法规的州.
- 严格的州法规与较低的Medigap可用性和入学率相关,但不一定会降低保险费.
- 需要进行改革,以减少传统医疗保险中的补充保险成本,同时减轻Medigap中的不利选择.
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