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首页> 美国政府科技报告 >Factors Affecting Premiums and Employee Choice of Health Plan. Executive Summaryand Final Report. Employers as HIPC Models: Premium Elasticities of Health Plan Choice and Premium Contribution Methods
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Factors Affecting Premiums and Employee Choice of Health Plan. Executive Summaryand Final Report. Employers as HIPC Models: Premium Elasticities of Health Plan Choice and Premium Contribution Methods

机译：影响保费和员工健康计划选择的因素。执行摘要和最终报告。雇主作为重债穷国模式：健康计划选择的优质弹性和高级贡献方法

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摘要

The project provides empirical analyses of questions related to the design ofhealth care systems based on managed competition, including the design of health insurance purchasign cooperatives (HIPCs). The final report consists of two papers. The first paper applies estimates of the out-of-pocket premium elasticity of health plan choice from earlier research to State of Minnesota employees from 1988 to 1993. Changes in health plan market shares over the study period were consistent with the model's predictions. High cost plans lost market share and the lowest cost plan dramatically increased its market share. The second paper provides (1) new estimates of the out-of-pocket premium elasticity based on several years of data from five Twin Cities employers and (2) an estimate of the effect on premiums of setting a defined employer contribution to premiums. The new estimates of out-of-pocket premium elasticity are remarkably close to our previous estimates and indicate a high degree of consumer sensitivity to out-of-pocket premiums. Employers setting a defined contribution to premiums exhibited lower total health insurance costs and lower cost increases than employers who used an equal percentage or other method to determine their premium contribution.

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