伦理危险和长期护理保险
R Tamara Konetzka1, Daifeng He2, Jing Dong3
1Department of Public Health Sciences and Department of Medicine, The University of Chicago Biological Sciences, University of Chicago, 5841 S. Maryland Ave., Room W255, MC2000,Chicago, IL 60637, USA.
概括
道德风险对家庭护理使用和私人长期护理保险中的养老院使用产生重大影响. 了解这些影响对于市场稳定和政策设计至关重要.
科学领域:
- 卫生经济学 卫生经济学
- 保险市场 保险市场 保险市场
- 长期护理政策 长期护理政策
背景情况:
- 道德风险是对私人长期护理保险财务稳定的关键问题.
- 关于该领域道德风险程度的实证证据有限.
- 了解道德风险对于准确的定价和市场稳定性至关重要.
研究的目的:
- 量化私人长期护理保险中道德风险的存在和程度.
- 分析道德风险对家庭护理和养老院利用的影响.
- 为决策者提供关于道德风险对长期护理保险的影响的信息.
主要方法:
- 利用了来自健康和退休研究 (1996-2014) 的数据.
- 员工倾向得分与选择偏差的控制匹配.
- 应用仪表变量方法来识别因果关系.
主要成果:
- 发现了大量证据表明道德风险影响了家庭护理的使用.
- 观察到道德风险对养老院使用的潜在有意义的,尽管在统计学上有噪音的影响.
- 结果表明,个人可能会改变他们的护理选择,当保险.
结论:
- 道德风险是利用长期护理服务,特别是家庭护理的可证明因素.
- 这些发现对私人长期护理保险的设计和监管有影响.
- 决策者在制定长期护理保险的激励措施时,应该考虑道德风险.
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