部分评级区的提供和对ACA市场市场的反竞争市场细分的测试
1University of Pennsylvania, Department of Economics, 133 S. 36th Street, Philadelphia, PA 19104, United States of America; The NBER, United States of America.
Journal of health economics
|November 11, 2025
概括
保险公司在某些县选择性地提供医疗保险计划,尽管"平价医疗法案" (ACA) 的统一定价规则. 有证据表明,反竞争的动机推动了2018年的选择性参与.
科学领域:
- 卫生经济学 卫生经济学
- 市场分析市场分析.
- 卫生政策 卫生政策
背景情况:
- 患者保护和负担得起的医疗保健法案 (ACA) 要求在地理评级区域内对医疗保险计划制定统一的价格,以减少消费者价格的变化.
- 保险公司不需要在每个县提供计划,这可能会导致部分评级区域的提供.
研究的目的:
- 调查选择性保险人参与医疗保险市场的普遍性和持续性.
- 要确定这种选择性供应是否反映了反竞争的市场细分.
主要方法:
- 从2016年到2022年,分析来自联邦医疗保险市场的数据.
- 检查保险公司参与模式和市场特征,特别是在2018年.
主要成果:
- 在分析期间 (2016-2022年) 中,保险公司的选择性参与普遍且持久.
- 在研究的七年中,有六年,证据与勾结的动机不一致.
- 在2018年,保险公司较少,多市场接触较广泛的一年,证据表明反竞争动机影响了选择性参与.
结论:
- 在医疗保险市场上,部分评级区的产品很常见.
- 反竞争的市场细分可能会推动选择性保险公司参与,特别是在2018年观察到的特定市场条件下.
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