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来源类型Working Paper
规范类型报告
DOI10.3386/w17857
来源IDWorking Paper 17857
Insurance as Delegated Purchasing: Theory and Evidence from Health Care
Robin McKnight; Jonathan Reuter; Eric Zitzewitz
发表日期2012-02-23
出版年2012
语种英语
摘要Household demand for actuarially unfair insurance against small risks has long puzzled economists. One way to potentially rationalize this demand is to recognize that (non-life) insurance is an incentive-compatible means of engaging an expert buyer. To quantify the benefits of expert buying, we compare prices paid by the insured and uninsured for health care. In categories of health care where uncompensated care is more difficult to obtain (drugs, doctor office visits, and hospital outpatient visits), we find that insurers pay 10-20% less than the uninsured. For forms of care where payment by the uninsured is more likely to be negotiated after services are rendered (hospitalizations and emergency room visits) the uninsured pay about 30% less on average, due largely to the nontrivial share of uninsured who pay 5% or less of their billed charges. At least in settings where free services are difficult to obtain, expert buying is an important benefit of insurance. We discuss the implications of the delegated-purchasing view of insurance for con-sumer-driven health insurance and for self-insurance by employers.
主题Financial Economics ; Financial Institutions ; Health, Education, and Welfare ; Health
URLhttps://www.nber.org/papers/w17857
来源智库National Bureau of Economic Research (United States)
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资源类型智库出版物
条目标识符http://119.78.100.153/handle/2XGU8XDN/575532
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Robin McKnight,Jonathan Reuter,Eric Zitzewitz. Insurance as Delegated Purchasing: Theory and Evidence from Health Care. 2012.
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