| 来源类型 | Working Paper |
| 规范类型 | 报告 |
| DOI | 10.3386/w15434 |
| 来源ID | Working Paper 15434 |
| Paying a Premium on Your Premium? Consolidation in the U.S. Health Insurance Industry | |
| Leemore Dafny; Mark Duggan; Subramaniam Ramanarayanan | |
| 发表日期 | 2009-10-22 |
| 出版年 | 2009 |
| 语种 | 英语 |
| 摘要 | We examine whether and to what extent consolidation in the U.S. health insurance industry is leading to higher employer-sponsored insurance premiums. We make use of a proprietary, panel dataset of employer-sponsored healthplans enrolling over 10 million Americans annually between 1998 and 2006 to explore the relationship between premium growth and changes in market concentration. We exploit the differential impact of a large national merger of two insurance firms across local markets to estimate the causal effect of concentration on market-level premiums. We estimate real premiums increased by approximately 7 percentage points (in a typical market) due to the rise in concentration during our study period. We also find evidence that consolidation facilitates the exercise of monopsonistic power vis a vis physicians, whose absolute employment and relative earnings decline in its wake. |
| 主题 | Health, Education, and Welfare ; Health ; Industrial Organization ; Market Structure and Firm Performance ; Antitrust |
| URL | https://www.nber.org/papers/w15434 |
| 来源智库 | National Bureau of Economic Research (United States) |
| 引用统计 | |
| 资源类型 | 智库出版物 |
| 条目标识符 | http://119.78.100.153/handle/2XGU8XDN/573110 |
| 推荐引用方式 GB/T 7714 | Leemore Dafny,Mark Duggan,Subramaniam Ramanarayanan. Paying a Premium on Your Premium? Consolidation in the U.S. Health Insurance Industry. 2009. |
| 条目包含的文件 | ||||||
| 文件名称/大小 | 资源类型 | 版本类型 | 开放类型 | 使用许可 | ||
| w15434.pdf（486KB） | 智库出版物 | 限制开放 | CC BY-NC-SA | 浏览 | ||
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