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Attracting Health Insurance Buyers through Selective Contracting: Results of a Discrete-Choice Experiment among Users of Hospital Services in the Netherlands

机译:通过选择性签约吸引健康保险购买者:荷兰医院服务使用者的离散选择实验结果

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In 2006, the Netherlands commenced market based reforms in its health care system. The reforms included selective contracting of health care providers by health insurers. This paper focuses on how health insurers may increase their market share on the health insurance market through selective contracting of health care providers. Selective contracting is studied by eliciting the preferences of health care consumers for attributes of health care services that an insurer could negotiate on behalf of its clients with health care providers. Selective contracting may provide incentives for health care providers to deliver the quality that consumers need and demand. Selective contracting also enables health insurers to steer individual patients towards selected health care providers. We used a stated preference technique known as a discrete choice experiment to collect and analyze the data. Results indicate that consumers care about both costs and quality of care, with healthy consumers placing greater emphasis on costs and consumers with poorer health placing greater emphasis on quality of care. It is possible for an insurer to satisfy both of these criteria by selective contracting health care providers who consequently purchase health care that is both efficient and of good quality.
机译:2006年,荷兰开始对其医疗保健系统进行基于市场的改革。改革包括由健康保险公司有选择地与卫生保健提供者签约。本文重点关注健康保险公司如何通过与医疗服务提供者选择性签约来增加其在健康保险市场上的市场份额。通过引起医疗保健消费者对医疗保险服务属性的偏好来研究选择性合同,保险人可以代表其客户与医疗保健提供者进行谈判。选择性签约可以激励卫生保健提供者提供消费者需要和要求的质量。选择性签约还使医疗保险公司能够将个别患者引向选定的医疗保健提供者。我们使用称为离散选择实验的陈述偏好技术来收集和分析数据。结果表明,消费者既在乎成本,也在乎护理质量,健康的消费者更加注重成本,而健康状况较差的消费者则更加关注护理质量。保险公司有可能通过与医疗服务提供者有选择性地签约来满足这两个标准,这些医疗服务提供者因此购买了既高效又优质的医疗服务。

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