| 来源类型 | Working Paper |
| 规范类型 | 报告 |
| DOI | 10.3386/w19760 |
| 来源ID | Working Paper 19760 |
| Employer Contribution and Premium Growth in Health Insurance | |
| Yiyan Liu; Ginger Zhe Jin | |
| 发表日期 | 2013-12-19 |
| 出版年 | 2013 |
| 语种 | 英语 |
| 摘要 | We study whether employer premium contribution schemes could impact the pricing behavior of health plans and contribute to rising premiums. Using 1991-2011 data before and after a 1999 premium subsidy policy change in the Federal Employees Health Benefits Program (FEHBP), we find that the employer premium contribution scheme has a differential impact on health plan pricing based on two market incentives: 1) consumers are less price sensitive when they only need to pay part of the premium increase, and 2) each health plan has an incentive to increase the employer's premium contribution to that plan. Both incentives are found to contribute to premium growth. Counterfactual simulation shows that average premium would have been 10% less than observed and the federal government would have saved 15% per year on its premium contribution had the subsidy policy change not occurred in the FEHBP. |
| 主题 | Public Economics ; Taxation ; Health, Education, and Welfare ; Health ; Industrial Organization ; Market Structure and Firm Performance |
| URL | https://www.nber.org/papers/w19760 |
| 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/577434 |
| 推荐引用方式 GB/T 7714 | Yiyan Liu,Ginger Zhe Jin. Employer Contribution and Premium Growth in Health Insurance. 2013. |
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