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来源类型Working Paper
规范类型报告
DOI10.3386/w24392
来源IDWorking Paper 24392
Dominated Options in Health-Insurance Plans
Chenyuan Liu; Justin R. Sydnor
发表日期2018-03-12
出版年2018
语种英语
摘要Recent studies have found that many people select into health plans with higher coverage (e.g., lower deductibles) even when those plans are financially dominated by other options. We explore whether having dominated options is common by analyzing data on plan designs from the Kaiser Family Foundation Employer Health Benefits Survey for firms that offered employees both a high-deductible (HD) health plan and a lower-deductible (LD) option. In 65% of firms the high-deductible option would result in lower maximum possible health spending for the employee for the year. We estimate that the HD plan financially dominates the LD plan at roughly half of firms across a wide range of possible health spending needs employees might anticipate. The expected savings from selecting the HD plan are typically over $500 per year, often with no increase in financial risk. We present evidence that these patterns may arise naturally from employers passing through large average-cost differences between HD and LD plans to their employees. We discuss the implications of those dynamics for the nature of transfers between employees and the efficiency of health spending.
主题Microeconomics ; Households and Firms ; Financial Economics ; Financial Institutions ; Health, Education, and Welfare ; Health
URLhttps://www.nber.org/papers/w24392
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/582066
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Chenyuan Liu,Justin R. Sydnor. Dominated Options in Health-Insurance Plans. 2018.
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