医疗保险扣除率中的时间聚合
1University of Wisconsin-Madison.
概括
在医疗保险中,较短的可扣除的重置期可以改善财务福祉. 这些调整自扣额可以为流动性带来好处,特别是对于那些有借贷限制的人来说,这导致了显著的福利收益.
科学领域:
- 卫生经济学 卫生经济学
- 保险市场 保险市场 保险市场
- 行为经济学是一种行为经济学.
背景情况:
- 医疗保险计划中自扣额度的增加将成本转移到消费者身上.
- 年度自扣额可以带来财务挑战,特别是对于那些流动性有限的人来说.
研究的目的:
- 分析与传统的年度扣除相比,扣除期限较短的扣除额的经济影响.
- 根据不同的扣除结构,模拟消费者对健康保险的需求.
主要方法:
- 开发了一种经济模型,比较每年和每两年重新设置的扣除额度.
- 包括因素,如借款限制,道德风险和可放弃的护理.
- 使用医疗保险索赔数据对模型进行校准.
主要成果:
- 重新设置自扣额可以为流动性带来好处,改善消费者福利.
- 福利收益在保费成本的3-10%之间.
- 有借贷限制的个人体验到最重要的好处.
结论:
- 较短的可扣除的重置期可以通过提供流动性来提高消费者福利.
- 对医疗保险设计的政策影响,特别是对弱势群体的政策影响.
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