Syed M. Ahsan, S. A. Hamid, Shubhasish Barua, M. R. Haider, C. A. A. Asif
{"title":"‘Niramoy’ Micro Health Insurance in Bangladesh: Innovations in Design, Delivery and Distribution Channels","authors":"Syed M. Ahsan, S. A. Hamid, Shubhasish Barua, M. R. Haider, C. A. A. Asif","doi":"10.2139/ssrn.2283294","DOIUrl":"https://doi.org/10.2139/ssrn.2283294","url":null,"abstract":"Bangladesh needs to start afresh with innovative means of financing the provision of health care since in its absence the poor end up relying largely on self-insurance devices to mitigate health risks, which entails high implicit premiums. Existing insurance type programmes essentially consist of subsidy-oriented interventions, not necessarily in kind, requiring upfront cash at each stage of service delivery, hence failing to overcome the incidence of high out-of-pocket (OOP) payments, nor do the existing programmes succeed in dealing with events leading to catastrophic payments. Given this vacuum, an innovative micro health insurance (MHI) scheme has been designed keeping in view the targets of adequate risk protection, inclusivity of access, affordability and programme sustainability. The research design embracing the methods of cluster randomised trial allows for identification of direct and indirect effects of MHI on actual OOP incurred by the insured vis-a-vis the non-insured households who are otherwise similar in economic, educational and social dimensions. Such an analysis holds the promise of determining whether MHI type of intervention may eventually lead to large-scale implementation so that quality health care reach the poor en masse thereby contributing to the cause of universal health coverage. Key Words: Micro Health Insurance, Cluster Randomised Trials, Out-of-Pocket Payments, Cost of Risks JEL Classification Code: C83, G21, G22 and I18","PeriodicalId":243720,"journal":{"name":"ERN: Microeconometric Studies of Health Markets (Topic)","volume":"50 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2013-06-21","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"133895558","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"Hospital Mergers: A Spatial Competition Approach","authors":"Kurt R. Brekke, L. Siciliani, O. Straume","doi":"10.2139/ssrn.2253120","DOIUrl":"https://doi.org/10.2139/ssrn.2253120","url":null,"abstract":"Using a spatial competition framework with three ex ante identical hospitals, we study the effects of a hospital merger on quality, price and welfare. The merging hospitals always reduce quality, but the non-merging hospital responds by reducing quality if prices are fixed and increasing quality if not. The merging hospitals increase prices if demand responsiveness to quality is sufficiently low, whereas the non-merging hospital always increases its price. If prices are endogenous, a merger leads to higher average prices and quality in the market. A merger is harmful for total patient utility but can improve social welfare under price competition.","PeriodicalId":243720,"journal":{"name":"ERN: Microeconometric Studies of Health Markets (Topic)","volume":"76 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2013-04-04","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"124412910","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"Can Long-Term Care Insurance Partnership Programs Increase Coverage and Reduce Medicaid Costs?","authors":"Wei Sun, A. Webb","doi":"10.2139/SSRN.2359411","DOIUrl":"https://doi.org/10.2139/SSRN.2359411","url":null,"abstract":"Although long-term care is a substantial financial risk for retired households, only about 10 percent purchase insurance, with many of the remainder relying on Medicaid. Faced with rising Medicaid expenditures on long-term care, states have attempted to encourage the purchase of private long-term care insurance through partnership programs that exempt purchasers of qualifying policies from the Medicaid asset test. Using numerical optimization techniques, and assuming plausible preference parameters, we show that the programs will only increase insurance coverage among single males by 5 percent and single females by 4 percent. Most of the program benefits will go to those who would have purchased non-partnership long-term care insurance anyway. Thus, the cost of the subsidy will exceed the savings in Medicaid costs.","PeriodicalId":243720,"journal":{"name":"ERN: Microeconometric Studies of Health Markets (Topic)","volume":"1 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2013-03-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"131383017","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Joseph B. Nichols, Stephen D. Oliner, Michael R. Mulhall
{"title":"Swings in Commercial and Residential Land Prices in the United States","authors":"Joseph B. Nichols, Stephen D. Oliner, Michael R. Mulhall","doi":"10.2139/ssrn.2215021","DOIUrl":"https://doi.org/10.2139/ssrn.2215021","url":null,"abstract":"We use a large dataset of land sales dating back to the mid-1990s to construct land price indexes for 23 MSAs in the United States and for the aggregate of those MSAs. The price indexes show a dramatic increase in both commercial and residential land prices over several years prior to their peak in 2006-07 and a steep descent since then. These fluctuations have exceeded those in well-known indexes of home prices and commercial real estate prices. Because those indexes price a bundle of land and structures, this comparison implies that land prices have been more volatile than structures prices over this period. This result is a key element of the land leverage hypothesis, which holds that home prices and commercial property prices will be more volatile, all else equal, in areas where land represents a larger share of real estate value.","PeriodicalId":243720,"journal":{"name":"ERN: Microeconometric Studies of Health Markets (Topic)","volume":"64 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2012-07-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"125106057","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
M. García Molina, Liliana Chicaíza, Adriana Linares Ballesteros, Óscar Ramírez Wurttemberger
{"title":"Cost Effectiveness of Risk Stratification Tests vs. Not Doing Them in the Treatment of Acute Myeloid Leukemia in Pediatric Population","authors":"M. García Molina, Liliana Chicaíza, Adriana Linares Ballesteros, Óscar Ramírez Wurttemberger","doi":"10.2139/SSRN.2194566","DOIUrl":"https://doi.org/10.2139/SSRN.2194566","url":null,"abstract":"Objective: To assess the cost-effectiveness of risk stratification tests vs. not doing them in pediatric population with acute myeloid leukemia (AML).Methods: A decision tree model was built with life years gained as outcome, from the perspective of the health system, and including all direct costs. In the transplant arm we included the costs of risk-stratification tests for all the patients, (even those who are not consolidated with transplant, given the test results). Pharmaceutical prices were obtained from the System of Information of Medicaments SISMED (2008), and the value of procedures was calculated from the 2001 ISS tariff manual adding 30%. All monetary amounts were expressed in Colombian pesos of 2010. No discount was applied as costs are incurred in during the first year. The cost-effectiveness threshold per life year gained was three times the 2010 per capita GDP. Univariate and probabilistic sensitivity analysis were performed.Results: When adding the cost of risk-stratification tests for all patients the incremental cost-effectiveness ratio (ICER) of transplantation was $$8.559.944, which is lower than the per capita GDP of 2010, $12.047.418. Hence, risk-stratification tests are cost effective. Results are robust to changes in the values of the model’s parameters. Probabilistic sensitivity analysis with ten thousand simulations showed that unrelated transplant has a 74% probability of being cost effective. Conclusions: In the Colombian health system, performing risk-stratification tests in AML pediatric patients is a cost-effective alternative.","PeriodicalId":243720,"journal":{"name":"ERN: Microeconometric Studies of Health Markets (Topic)","volume":"12 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2012-07-26","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"128046389","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
M. García Molina, Liliana Chicaíza, H. Quitián, Adriana Linares Ballesteros, Óscar Ramírez Wurttemberger
{"title":"Cost-Effectiveness of Related Hematopoietic Stem Cell Transplantation Versus Chemotherapy for Consolidation Treatment to Acute Myeloid Leukemia in Pediatric Patients","authors":"M. García Molina, Liliana Chicaíza, H. Quitián, Adriana Linares Ballesteros, Óscar Ramírez Wurttemberger","doi":"10.2139/ssrn.2194559","DOIUrl":"https://doi.org/10.2139/ssrn.2194559","url":null,"abstract":"Methods: A decision tree model was built with life years gained as outcome, from the perspective of the health system, and including all direct costs. Pharmaceutical prices were obtained from the System of Information of Medicaments SISMED (2008), and the value of procedures was calculated from the 2001 ISS tariff manual adding 30%. All monetary amounts were expressed in Colombian pesos of 2010. No discount was applied as costs are incurred in during the first year. The cost-effectiveness threshold used was three times the 2010 per capita GDP per life year gained. Univariate and probabilistic sensitivity analysis were performed over the variables having the higher effect on the incremental cost-effectiveness ratio (ICER). Results: The ICER of transplantation was $6.646.980 in high risk and $6.246.762 in intermediate risk patients. The ICERs are lower than the per capita GDP of 2010, $12.047.418. Results are robust to changes in the values of the parameters. Probabilistic sensitivity analysis with ten thousand simulations showed that unrelated transplant has a 78% probability of being cost effective. Conclusions: In the Colombian health system, related stem cell transplantation is a cost-effective strategy for the treatment of AML in high or intermediate risk pediatric patients.","PeriodicalId":243720,"journal":{"name":"ERN: Microeconometric Studies of Health Markets (Topic)","volume":"45 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2012-07-12","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"116666587","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"Health Aid and Health Improvement in Sub Saharan Africa","authors":"Douzounet Mallaye, Urbain Thierry Yogo","doi":"10.2139/ssrn.2047219","DOIUrl":"https://doi.org/10.2139/ssrn.2047219","url":null,"abstract":"Using a sample of 28 sub-Saharan African countries during the period of 2000-2010, this paper examines the effect of health aid on health outcomes. After taking into account the endogeneity and using the instrumental variable approach, the results reveal that health aid improves health outcomes in sub-Saharan African countries. More specifically, for each additional unit of health aid, life expectancy increases by 0.14, prevalence of HIV decreases by 0.05 and infant mortality decrease by 0.17. This effect operates mainly through the improvement of primary completion rate of female. However, the magnitude of the effects is too small if African countries would like to achieve MDGs through additional health aid. Furthermore, the Oaxaca-Blinder decomposition indicates that differences in terms of the amount of health aid received do not explain the health outcomes gap between post conflict countries and stable countries. The relevant variables are governance and the female primary completion rate. The policy implications of the paper are further discussed.","PeriodicalId":243720,"journal":{"name":"ERN: Microeconometric Studies of Health Markets (Topic)","volume":"28 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2012-04-27","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"130018093","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
K. Shah, C. Praet, N. Devlin, J. Sussex, J. Appleby, D. Parkin
{"title":"Is the Aim of the Health Care System to Maximise QALYs? An Investigation of ‘What Else Matters’ in the NHS","authors":"K. Shah, C. Praet, N. Devlin, J. Sussex, J. Appleby, D. Parkin","doi":"10.2139/ssrn.2634413","DOIUrl":"https://doi.org/10.2139/ssrn.2634413","url":null,"abstract":"The appraisal of health care technologies by the UK's National Institute for Health and Clinical Excellent (NICE) focuses on cost effectiveness, usually measured in terms of incremental cost per quality adjusted life year (QALY) gained. According to the findings presented in this Research Paper, however, cost effectiveness does not appear to be the dominant consideration in NHS decisions about resource allocation. In this paper, the authors examine what factors affect NHS decisions by analysing 51 Impact Assessments (IAs) completed by the UK Department of Health (DH) in 2008-9. Of the 51 IAs available, only eight used QALYs to evaluate benefits, including four of those associated with the largest monetised benefits. Ninety-three other unique benefits were applied in making NHS decisions. Most could be grouped into the following categories - improvement in health outcomes (26 of the 51), improvements in health service cost and efficiency (19), improvements in quality (15), and enhancing the patient and carer experience (11). For 21 IAs, no monetary impact was estimated and the statement was made in the IA that benefits could not be monetised or quantified. Setting aside the issue of what cost and benefit perspective is 'appropriate', the authors point out that this research suggests that the perspectives of NICE and the DH are 'very different' with 'clear implications' for efficiency across the health care system. A revised version of this paper has been published in Journal of Health Services Research & Policy and can be downloaded from - http://hsr.sagepub.com/content/17/3/157.long Please cite as - Shah, K., Praet, C., Devlin, N., Sussex, J., Appleby, J. and Parkin, D., 2012. Is the aim of the English health care system to maximize QALYs? Journal of Health Services Research & Policy, 17(3), pp.157-163.","PeriodicalId":243720,"journal":{"name":"ERN: Microeconometric Studies of Health Markets (Topic)","volume":"2015 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2011-05-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"121331136","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"Medicine Worse than the Malady: Cure Rates, Population Shifts, and Health Insurance","authors":"Robert F. Graboyes","doi":"10.2139/ssrn.2126775","DOIUrl":"https://doi.org/10.2139/ssrn.2126775","url":null,"abstract":"We examine the welfare effects of the interaction of three types of technological progress in medicine and health insurance; some paradoxes emerge. The model specifies three types of people: W (well); H (sick with high cure rate if treated); and L (sick with low cure rate if treated). There are four insurance modes: Indemnity (I): fully covered treatments for Hs, cash bribes for Ls to forgo treatment); Deductible (D): partially covered treatments for Hs, no treatments for Ls); Zero (Z): no insurance and no treatments); and Full (F): fully covered treatments for Hs and Ls). The three types of technological progress are represented as population shifts from sicker to healthier classes of people; for brevity, we call the shifts L—>W, H—>W, and L—>H, and describe each as follows:L—>W: Improved ability to prevent illness among Ls- unambiguously improves welfare and seems to yield intuitive mode sequences.H—>W: Improved ability to prevent illness among Hs- unambiguously improves welfare but sometimes yields surprising mode sequences. Examples: F-Z (full insurance when there are many Hs, no insurance when there are fewer Hs); and D-F-D (Hs partially covered, then fully covered, then only partially covered once again. Ls not treated, then treated, then not treated once again.).L—>H: Some would-be Ls become more highly treatable Hs. Here, technological progress not only yields surprising mode shifts (e.g., D-Z-I-Z), but the welfare effects of progress are ambiguous. This is because L—>H may lead to more people being treated and cured (a welfare gain), but at a cost of higher premiums for all subscribers (a welfare loss).The paradoxical results are in part explained by the fact that utility is a concave function of wealth and a linear function of health.The three shifts could also be interpreted as autonomous demographic changes rather than as technological progress.","PeriodicalId":243720,"journal":{"name":"ERN: Microeconometric Studies of Health Markets (Topic)","volume":"121 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2000-08-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"126133550","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}