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首页> 外文期刊>Journal of Economics and Finance >Keeping what you like: grandfathering and health insurance coverage take-up rates under the ACA
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Keeping what you like: grandfathering and health insurance coverage take-up rates under the ACA

机译：保持您喜欢的内容：祖父和健康保险覆盖ACA下的占用率

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摘要

According to various reports, between 1.8 million and 4.7 million health insurance plans were replaced shortly after passage of the Affordable Care Act of 2010 with new ACA-compliant plans. In order to limit this occurrence, provisions in the ACA included "grandfathering," which allowed many Americans to retain health insurance coverage that was in place on or before the ACA was signed into law. These health insurance plans were in many cases favored by individuals and employees because they had been customized, unlike many of the new non-grandfathered plans. This study explores the effect of grandfathering on health insurance coverage take-up rates by employees, given that there are some key differences between grandfathered and non-grandfathered plans that perhaps make the former relatively more attractive to employees. Using survey data from the Kaiser Family Foundation and the Health Research Educational Trust, difference-in-difference regressions reported here suggest that take-up rates for grandfathered health insurance plans are generally higher than those for non-grandfathered plans. Estimates generally place these take-up rate differences, favoring grandfathered plans, somewhere between 2.9 and 8.2 percentage points, depending on plan type, firm size and firm location. This finding suggests that more flexible plans are needed to increase employer-sponsored health insurance coverage.
机译：根据各种报道，在通过新的ACA标准的计划通过新的ACA合理的监护法案后，不久就更换了180万和470万的健康保险计划。为了限制这一事件，ACA的规定包括“祖父”，允许许多美国人保留在ACA签署法律上或之前的健康保险覆盖范围。这些健康保险计划在许多案件中受到个人和雇员的许多案例，因为他们已经定制了，而不是许多新的非祖父计划。本研究探讨了祖父对员工健康保险覆盖率的影响，鉴于祖父和非祖父的计划之间存在一些关键差异，也许让前者对员工相对更具吸引力。使用来自Kaiser家族基金会和健康研究教育信托的调查数据，这里报告的差异差异回归表明，祖父的健康保险计划的收支率通常高于非祖父计划的占有率。估计通常将这些占用率差异放置在2.9和8.2个百分点的某个地方，取决于计划类型，坚定的规模和公司位置。这一发现表明需要更灵活的计划来增加雇主赞助的健康保险范围。

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