非经济损害上限是否会降低医疗疏忽保险费用? 来自北卡罗来纳州的证据
1Department of Population Medicine, Harvard Medical School and Harvard Pilgrim Health Care Institute.
概括
医疗疏忽改革, 特别是对非经济损失的上限, 即使在保险危机之外也可以降低医生保费. 北卡罗来纳州
科学领域:
- 卫生政策
- 医学经济学
- 法律医学
背景情况:
- 对于政策制定者和医生来说, 医疗疏忽改革,
- 大多数研究都分析了保险利率危机期间的改革,
研究的目的:
- 调查在非危机时期实施的非经济损失上限对医疗疏忽保费的影响.
- 评估北卡罗来纳州2011年损害上限改革对医疗保险成本的影响.
主要方法:
- 对三个专业的县级失职保险费进行比较分析.
- 在2011年改革之前和之后, 考察了北卡罗来纳州和无上限州的数据.
- 对医疗保险费率的现有趋势进行了控制.
主要成果:
- 在改革之前,没有发现过失保险费的重大趋势.
- 在北卡罗来纳州进行改革后,
- 观察到的保险费降低的时间和规模与危机时期改革的国家相似.
结论:
- 没有经济损失上限可以有效地降低医疗疏忽保费,即使在保险市场危机之外实施.
- 这些发现表明,不论市场状况如何,赔偿上限是管理医生责任成本的可行政策工具.
- 这项研究提供了证据来支持保险市场稳定不良改革的有效性.
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