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首页> 外文期刊>Applied Economics >How effective is 'lifetime health cover' in raising private health insurance coverage in Australia? An assessment using regression discontinuity
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How effective is 'lifetime health cover' in raising private health insurance coverage in Australia? An assessment using regression discontinuity

机译：“终身健康保险”在提高澳大利亚的私人健康保险覆盖率方面有多有效？使用回归不连续性进行评估

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摘要

The Australian government introduced three major private health insurance policy initiatives in recent years. These are, in chronological order, (ⅰ) the Private Health Insurance Incentives Scheme (PHIIS), which imposes a tax levy on high-income earners who do not have private health insurance and provides a means-tested subsidy schedule for low-income earners who purchase PHI; (ⅱ) a 30% premium rebate for all private health insurance policies to replace the means-tested component under PHIIS; and (ⅲ) lifetime health cover, which permits a limited form of age-related risk rating by insurance funds. Together, these policy changes have been effective in encouraging the uptake of PHI; the percentage of the population covered by PHI rose from 31% in 1999 to 45% at the end of 2001. The difficult issue, however, is in disentangling the effects of the three policy changes, given that they were introduced in quick succession. This article attempts to evaluate the effect of lifetime health cover using a regression discontinuity design, an approach that makes use of cross-section data that allows the effect of lifetime health cover to be isolated via local regression. The results suggest that the importance of lifetime health cover appears to be grossly over-rated in previous studies. Our estimates indicate that it accounts for roughly 22-32% of the combined effects of all the policy initiatives introduced in the late 1990s. While these figures suggest that its effect is clearly significant, it is nonetheless nowhere near the effect often associated with lifetime health cover.
机译：近年来，澳大利亚政府推出了三项主要的私人健康保险政策计划。这些是按时间顺序排列的（ⅰ）私人健康保险激励计划（PHIIS），该计划对没有私人健康保险的高收入者征收税款，并为低收入者提供经过经济情况调查的补贴时间表谁购买了PHI； （ⅱ）为所有私人健康保险保单提供30％的保费回扣，以取代PHIIS下经经济审查的部分； （ⅲ）终生健康保险，允许保险基金对与年龄相关的风险等级进行有限形式的评估。总之，这些政策变化有效地促进了PHI的采用； PHI覆盖的人口比例从1999年的31％上升到2001年底的45％。然而，困难的问题在于，三大政策变化的影响难以相提并论，因为这三项政策变化是很快接introduced而来的。本文尝试使用回归不连续性设计来评估终生健康保险的效果，该方法利用横截面数据允许通过局部回归来隔离终生健康保险的效果。结果表明，在以前的研究中，终生健康保险的重要性似乎被严重高估了。我们的估计表明，它大约占1990年代后期推出的所有政策措施的总和的22-32％。尽管这些数字表明它的作用显然是显着的，但与通常与终身健康保险相关的作用还相去甚远。

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