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Consumer Demand for Guaranteed Renewability in Health Insurance

机译：消费者对健康保险中可更新性的需求

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摘要

This paper addresses the following question: Why do consumers demand guaranteed renewability in health insurance? The answer to this question has important implications for the ability of competitive health insurance markets to provide affordable health insurance for people with chronic illness. The approach is novel. Empirical studies show that guaranteed renewability exists in health and life insurance. In the health insurance setting, these findings imply that consumers' preferences for low premiums and quality do not depend on their health status. Then consumer preference data collected from a survey of approximately 1,000 single employees in 19 Minneapolis-area companies are examined to determine if healthy and unhealthy consumers have similar preferences for low premiums and quality. It is found that employees' preference ratings for the importance of low premiums and aspects of provider and service quality are not related to their health status. These findings imply that health-related diversity of preferences is not likely to cause the employees in this study to select different health insurance plans. However, there is evidence of diverse preferences related to employee demographics such as income, education, and gender.
机译：本文解决了以下问题：为何消费者要求健康保险中有保证的可更新性？这个问题的答案对竞争性健康保险市场为慢性病患者提供负担得起的健康保险的能力具有重要意义。该方法是新颖的。实证研究表明，健康和人寿保险中存在可保证的可更新性。在健康保险的背景下，这些发现暗示消费者对低保费和高质量的偏好并不取决于他们的健康状况。然后，对从明尼阿波利斯地区的19家公司的大约1,000名单身员工进行的调查中收集的消费者偏好数据进行了检查，以确定健康和不健康的消费者是否对低保费和质量有相似的偏好。结果发现，员工对低保费的重要性以及提供者和服务质量方面的偏爱等级与他们的健康状况无关。这些发现表明，与健康相关的偏好多样性不太可能导致本研究中的员工选择不同的健康保险计划。但是，有证据表明，与员工人口统计相关的偏好存在差异，例如收入，教育程度和性别。

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  • 来源
    《Journal of consumer policy》 |2004年第1期|p.75-97|共23页
  • 作者

    Roger Feldman; Jennifer Schultz;

  • 作者单位

    Division of Health Services Research and Policy, School of Public Health, University of Minnesota;

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  • 原文格式 PDF
  • 正文语种 eng
  • 中图分类 f;
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