健康福利向下刚性:雇主对保险成本上升的反应

Xuguang Guo, R. Tao
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引用次数: 1

摘要

本文使用人口普查局医疗支出小组调查-保险组成部分数据从1997年到2005年检验了雇主对保险成本上升的反应。研究结果证实,在我们的研究期间,雇主并没有采取戏剧性的行动来减少福利,以应对不断上升的保险成本。大多数雇主没有减少健康保险的覆盖范围,减少工人的保险资格,或大幅缩减他们的健康保险覆盖范围。相反,公司通过采用成本效益高的健康计划,要求员工缴纳保险费和自付医疗费,以更微妙的方式控制保险成本。结果表明,这些策略的效果是有限的。雇员支出的份额并没有随着保险费的增长而上升。雇主承担了增加的保险费的很大一部分。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Health Benefit Downward Rigidity: Employers’ Responses to Rising Insurance Costs
The article examines employers’ responses to rising insurance costs using Census Bureau Medical Expenditure Panel Survey–Insurance Component data from 1997 to 2005. The findings confirm that employers did not take dramatic actions to reduce benefit in response to the rising insurance cost during our study period. Most employers did not drop health insurance coverage, reduce workers’ eligibility for insurance, or substantially scale back their health insurance coverage. Instead, companies controlled the insurance cost in more subtle ways by adopting cost-efficient health plans and requesting employee contribution to the insurance premium and out-of-pocket expenses for medical treatments. Our results show that the effect of those tactics was limited. The share of employee spending did not rise along with the growth of insurance premiums. Employers absorbed a large portion of the increased insurance cost.
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