| 来源类型 | Working Paper
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| 规范类型 | 报告
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| DOI | 10.3386/w24392
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| 来源ID | Working Paper 24392
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| Dominated Options in Health-Insurance Plans |
| Chenyuan Liu; Justin R. Sydnor
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| 发表日期 | 2018-03-12
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| 出版年 | 2018
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| 语种 | 英语
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| 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
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| URL | https://www.nber.org/papers/w24392
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| 来源智库 | National Bureau of Economic Research (United States)
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| 引用统计 |
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| 资源类型 | 智库出版物
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| 条目标识符 | http://119.78.100.153/handle/2XGU8XDN/582066
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推荐引用方式
GB/T 7714 |
Chenyuan Liu,Justin R. Sydnor. Dominated Options in Health-Insurance Plans. 2018.
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文件名：
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w24392.pdf
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格式：
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Adobe PDF
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