与商业与医疗保险相对价格相关的潜在因素在州级水平
Fredric Blavin1, John Holahan1
1Health Policy Division, Urban Institute, Washington, DC.
商业医疗保险的价格明显高于医疗保险的价格,特别是医院服务,并因地点而异. 医院市场高度集中与这些价格上有关,这表明了政策目标.
科学领域:
- 卫生经济学 卫生经济学
- 医疗保健服务研究 医疗服务研究
- 医疗保健政策 医疗保健政策
背景情况:
- 美国医疗保健服务的商业价格是高医疗保健支出的主要驱动因素.
- 这些价格往往与所提供的护理质量无关.
- 商业医疗保健定价存在显著的地理差异.
研究的目的:
- 评估商业价格与医疗保险医院和专业服务费率的地理差异.
- 为了估计这些价格比率随着时间的推移而发生的变化.
- 为了确定与更高的医院价格相关的市场特征.
主要方法:
- 横截面研究分析了2020年和2022-2023年的非识别医疗保健索赔数据.
- 在州和副州 (geozip) 层面计算商业与医疗保险价格比率.
- 使用多变量回归来将价格比率与医院集中度和收入等市场特征联系起来.
主要成果:
- 在2022-2023年,商业价格为医院服务的医疗保险费用的2.46倍和专业服务的1.24倍.
- 医院服务价格比率从2020年到2022-2023年增加了5.5%.
- 高医院市场度,主要的教学医院,高收入和没有保险的人口与更高的商业与医疗保险价格比率有关.
结论:
- 商业与医疗保险价格比率的实质性地理差异和时间上升,特别是在医院服务方面,被观察到.
- 市场特征,特别是医院市场的集中,与较高的相对价格有关.
- 调查结果可以为有针对性的政策提供信息,以控制医疗保健价格的增长.
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