在怀孕期间保险扩展
Philip Hochuli1, Christian P R Schmid2
1CSS, Lucerne, Switzerland.
Health economics
|May 27, 2025
概括
在瑞士废除医疗保险成本共享,增加了医疗保健支出,特别是低收入孕妇的物理治疗费用. 这种政策转变可能会改善新生儿的健康,但不能改善母亲的健康.
科学领域:
- 卫生经济学 卫生经济学
- 公共卫生政策 公共卫生政策
- 孕产妇和儿童的健康
背景情况:
- 医疗保险中的成本共享是控制医疗保健支出的一种常见工具.
- 消除成本共享对医疗保健利用和健康结果的影响,特别是对弱势群体的影响,仍未得到充分研究.
- 了解这些影响对于制定公平有效的卫生政策至关重要.
研究的目的:
- 分析瑞士废除孕妇成本共享制度对医疗保健支出的影响.
- 调查收入群体和特定医疗保健服务之间的差异影响.
- 评估政策对母亲和新生儿健康结果的影响.
主要方法:
- 利用瑞士对孕妇医疗保险成本共享政策的外部变化.
- 采用非线性回归分析来检查医疗总支出的变化.
- 分析了对物理治疗和实验室服务等特定服务的需求反应,按收入水平分层.
主要成果:
- 该政策导致平均医疗保健总支出略有增加,与预期无需求影响的预期相反.
- 对物理治疗和实验室服务的需求显著增加,特别是在收入低于中位数的个人中 (物理治疗增加了50%).
- 提示性证据表明,较低收入群体的新生儿健康状况有所改善,但没有发现对母亲健康的影响.
结论:
- 消除成本共享可以刺激医疗保健需求,特别是针对特定服务和低收入人群.
- 医疗保险成本共享政策需要平衡成本控制目标与健康和公平考虑.
- 这些发现强调了在改革医疗保险政策时考虑分配影响的重要性.
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