全球智库信息集成服务系统(G2TT): Health Insurance Menu Design for Large Employers

G2TT

来源类型	Working Paper
规范类型	报告
DOI	10.3386/w27868
来源ID	Working Paper 27868
	Health Insurance Menu Design for Large Employers
	Kate Ho; Robin S. Lee
发表日期	2020-09-28
出版年	2020
语种	英语
摘要	We provide a framework for large employers designing a menu of health plan offerings that differ on both financial and non-financial dimensions. Using detailed administrative data from Harvard University, we estimate a model of plan choice and utilization, and evaluate the benefits of cost sharing and plan variety. For this population of employed consumers, and a single plan with a generous out-of-pocket maximum and zero deductible, we find that modest cost sharing of approximately 30% maximizes average employee surplus. Further gains from offering choice are limited if based solely on financial characteristics, but can be meaningful if paired with differentiation along other dimensions where consumer preferences are correlated with efficient coverage levels.
主题	Health, Education, and Welfare ; Health ; Industrial Organization ; Firm Behavior
URL	https://www.nber.org/papers/w27868
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/585542
推荐引用方式 GB/T 7714	Kate Ho,Robin S. Lee. Health Insurance Menu Design for Large Employers. 2020.