| 来源类型 | Working Paper |
| 规范类型 | 报告 |
| DOI | 10.3386/w18286 |
| 来源ID | Working Paper 18286 |
| Does it Matter if Your Health Insurer is For-Profit? Effects of Ownership on Premiums, Insurance Coverage, and Medical Spending | |
| Leemore Dafny; Subramaniam Ramanarayanan | |
| 发表日期 | 2012-07-31 |
| 出版年 | 2012 |
| 语种 | 英语 |
| 摘要 | The majority of private health insurance in the U.S. is administered or issued by for-profit insurers, but little is known about how for-profit status affects outcomes. We find that plausibly exogenous increases in local for-profit market share induced by conversions of Blue Cross and Blue Shield affiliates in 11 states (and 28 distinct geographic markets) had no significant impact on average premiums, uninsurance rates, or medical loss ratios. However, we do find significant increases in Medicaid enrollment and a reallocation of medical spending toward rivals of BCBS. Moreover, in markets where the converting BCBS affiliate had substantial market share, fully-insured premiums for employer plans increased significantly. The results suggest that the welfare effects of subsidies for new not-for-profit insurers, such as those in the Affordable Care Act, are likely to depend on entrants' eventual market share. |
| 主题 | Health, Education, and Welfare ; Health ; Industrial Organization ; Firm Behavior ; Nonprofits |
| URL | https://www.nber.org/papers/w18286 |
| 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/575941 |
| 推荐引用方式 GB/T 7714 | Leemore Dafny,Subramaniam Ramanarayanan. Does it Matter if Your Health Insurer is For-Profit? Effects of Ownership on Premiums, Insurance Coverage, and Medical Spending. 2012. |
| 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 | ||
| w18286.pdf（376KB） | 智库出版物 | 限制开放 | CC BY-NC-SA | 浏览 | ||
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