健康保险范围的变化:福利与保费。

G R Wilensky, P J Farley, A K Taylor
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摘要

国家重新关注市场力量,以促进患者和提供者更有效率和更有成本意识的行为,越来越多地关注私人健康保险福利的结构。本文考虑了促进竞争立法建议的两个特点:对免税雇主保险费设定上限,并提供更多的保险计划选择。效率和公平的利益引发了不同类型的风险和转移;没有一种单一的制度方法可能产生承诺的好处。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Variations in health insurance coverage: benefits vs. premiums.

Renewed national interest in market forces to promote more efficient and cost-conscious behavior by patients and providers increasingly focuses on the structure of private health insurance benefits. Two features of procompetitive legislative proposals are considered: a ceiling on tax-free employer insurance premiums and offering greater choice of insurance plans. The interests of efficiency and equity invoke different kinds of risks and transfers; no single institutional approach is likely to yield the promised benefits.

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