长期护理伙伴关系对医疗补助和私人保险的影响
Joan Costa-Font1,2, Nilesh Raut1
1London School of Economics and Political Science, London, UK.
Health economics
|March 15, 2025
概括
长期护理保险伙伴关系 (LTCIP) 计划增加了私人长期护理保险 (LTCI) 的所有权,并减少了医疗补助使用. 这一举措为参与者和医疗补助计划提供了潜在的成本节省.
科学领域:
- 卫生经济学 卫生经济学
- 公共政策 公共政策
- 保险研究 保险研究
背景情况:
- 医疗补助是长期护理服务的重要支付人.
- 私人长期护理保险 (LTCI) 可以减轻个人和公共计划的财务负担.
- 长期护理保险伙伴关系 (LTCIP) 计划旨在鼓励私人LTCI采用.
研究的目的:
- 评估LTCIP计划对私人LTCI所有权的影响.
- 评估LTCIP计划对长期护理医疗补助使用的影响.
- 为了确定LTCIP计划的成本效益.
主要方法:
- 利用了从2005年到2018年的个人层面纵向数据.
- 采用差异差异 (DD) 研究设计.
- 导致LTCIP计划在各州的分阶段实施.
主要成果:
- 随着LTCIP计划的推出,LTCI的所有权增加了1.54个百分点 (14.7%).
- 由于该计划,医疗补助的使用率下降了0.82个百分点 (13.3%).
- 估计每位65岁的参与者平均节省约74美元的成本.
结论:
- 该LTCIP计划有效地促进了私人LTCI采用.
- 在LTCIP激励的LTCI和传统的LTCI之间存在替代效应.
- 该计划显示了减少对长期护理费用的医疗补助计划的依赖的潜力.
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