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首页> 外文期刊>Journal of health economics >Estimating workers' marginal valuation of employer health benefits: Would insured workers prefer more health insurance or higher wages?
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Estimating workers' marginal valuation of employer health benefits: Would insured workers prefer more health insurance or higher wages?

机译：估计工人对雇主健康福利的边际估值：被保险工人会更愿意购买更多的健康保险或更高的工资吗？

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摘要

In recent years the cost of health insurance has been increasing much faster than wages. In the face of these rising costs, many employers will have to make difficult decisions about whether to cut back health benefits or to compensate workers with lower wages or lower wage growth. In this paper, we ask the question, "Which do workers value more-one additional dollar's worth of health benefits or one more dollar in their pockets? " Using a new approach to obtaining estimates of insured workers' marginal valuation of health benefits this paper estimates how much, on average, employees value the marginal dollar paid by employers for their workers' health insurance. We find that insured workers value the marginal health premium dollar at significantly less than the marginal wage dollar. However, workers value insurance generosity very highly. The marginal dollar spent on health insurance that adds an additional dollar's worth of observable dimensions of plan generosity, such as lower deductibles or coverage of additional services, is valued at significantly more than one dollar.
机译：近年来，健康保险的成本增长速度远远快于工资。面对这些不断上涨的成本，许多雇主将不得不做出艰难的决定，以削减医疗福利或补偿较低工资或较低工资增长的工人。在本文中，我们提出一个问题：“工人会珍视价值增加一美元的医疗福利还是口袋中的一美元？”使用一种新方法来获得被保险工人对健康福利的边际估值的估计。估计员工平均估计雇主为他们的工人健康保险支付的边际美元的价值。我们发现，参保人员对边际健康保险费美元的估值远低于边际工资美元。但是，工人非常看重保险的慷慨。在健康保险上花费的边际美元增加了计划慷慨的可观察维度的额外美元价值，例如较低的自付额或附加服务的覆盖范围，其价值明显超过一美元。

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