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来源类型Working Paper
规范类型报告
DOI10.3386/w23353
来源IDWorking Paper 23353
Cost of Service Regulation in U.S. Health Care: Minimum Medical Loss Ratios
Steve Cicala; Ethan M.J. Lieber; Victoria Marone
发表日期2017-05-01
出版年2017
语种英语
摘要A health insurer's Medical Loss Ratio (MLR) is the share of premiums spent on medical claims. The Affordable Care Act introduced minimum MLR provisions for all health insurance sold in fully-insured commercial markets, thereby capping insurer profit margins, but not levels. While intended to reduce premiums, we show this rule creates incentives analogous to cost of service regulation. Using variation created by the rule's introduction as a natural experiment, we find claims costs rose nearly one-for-one with distance below the regulatory threshold: 7% in the individual market, and 2% in the group market. Premiums were unaffected.
主题Health, Education, and Welfare ; Health ; Industrial Organization ; Regulatory Economics ; Industry Studies
URLhttps://www.nber.org/papers/w23353
来源智库National Bureau of Economic Research (United States)
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条目标识符http://119.78.100.153/handle/2XGU8XDN/581027
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Steve Cicala,Ethan M.J. Lieber,Victoria Marone. Cost of Service Regulation in U.S. Health Care: Minimum Medical Loss Ratios. 2017.
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