| 来源类型 | Working Paper |
| 规范类型 | 报告 |
| DOI | 10.3386/w17232 |
| 来源ID | Working Paper 17232 |
| Gauging the Generosity of Employer-Sponsored Insurance: Differences Between Households With and Without a Chronic Condition | |
| Jean M. Abraham; Anne Beeson Royalty; Thomas DeLeire | |
| 发表日期 | 2011-07-21 |
| 出版年 | 2011 |
| 语种 | 英语 |
| 摘要 | We develop an empirical method to assess the generosity of employer-sponsored insurance across groups within the U.S. population. A key feature of this method is its simplicity - it only requires data on out-of-pocket (OOP) health care spending and total health care spending and does not require detailed knowledge of health insurance benefit design. We apply our method to assess whether households with a chronically ill member have more or less generous insurance relative to households with no chronically ill members. We find that the chronically ill have less generous insurance coverage than the non-chronically ill. Additional analyses suggest that the reason for this less generous coverage is not that households with a chronically ill member are in different, less generous plans, on average. Rather, households with a chronically ill member have higher spending on certain types of medical services (e.g., pharmaceutical drugs) that are covered less generously by insurance. Given recent work on value-based insurance design and coinsurance as an obstacle to medication adherence, our findings suggest that the current design of health plans may put the health and financial well-being of the chronically ill at risk. |
| 主题 | Health, Education, and Welfare ; Health |
| URL | https://www.nber.org/papers/w17232 |
| 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/574907 |
| 推荐引用方式 GB/T 7714 | Jean M. Abraham,Anne Beeson Royalty,Thomas DeLeire. Gauging the Generosity of Employer-Sponsored Insurance: Differences Between Households With and Without a Chronic Condition. 2011. |
| 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 | ||
| w17232.pdf（583KB） | 智库出版物 | 限制开放 | CC BY-NC-SA | 浏览 | ||
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