保险保留和计划切换 随着从零到正溢价计划的切换,保险保持和计划切换
Coleman Drake1, Dylan Nagy1, Sarah Avina1
1Department of Health Policy and Management, University of Pittsburgh, Pittsburgh, Pennsylvania.
JAMA health forum
|May 23, 2025
概括
医疗保险市场的医疗计划营业额减少了自动重新注册,可能会导致低收入人群的保险损失. 许多登记者更换了计划,而不是坚持他们以前的默认选择.
科学领域:
- 卫生政策研究 卫生政策研究
- 卫生经济学 卫生经济学
- 保险市场动态 保险市场动态
背景情况:
- 数以百万计的低收入医疗保险市场注册者在2022-2024年间从零保费计划过渡到积极保费计划.
- 这种计划注册的转变,称为营业额,带来了可能导致覆盖差距的行政挑战.
研究的目的:
- 调查健康计划营业额对市场重新注册的影响.
- 了解计划产品的变化如何影响登记者维持保险覆盖的能力.
主要方法:
- 使用日志线性固定效应模型进行横截面研究.
- 分析包括29个州的县使用HealthCare.gov平台从2022-2024.
- 控制了诸如保费负担能力,保险商竞争和政策变化等因素.
主要成果:
- 营业额与自动重新注册的7.0%下降有关.
- 没有观察到活跃入学人数的显著变化.
- 留在之前计划的登记者减少了13.4%,而更换计划的增加为15.0%.
结论:
- 计划营业额减少了自动重新注册,冒着保险损失的风险,对于那些不知道保费变化的人来说.
- 登记者被迫转换计划,可能增加价格竞争,但也增加了行政负担.
- 如果增强补贴到期,覆盖损失可能会在2026年恶化.
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