更高的免赔额会减缓医疗支出的增长吗?

IF 1.9 Q3 BUSINESS
Molly Frean, M. Pauly
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引用次数: 0

摘要

在所有国家,高医疗保健支出增长被视为一个潜在的政策问题。已经广泛研究了患者分担费用以降低支出水平的可能性;然而,关于成本分摊如何影响支出增长的研究却很少。在本文中,我们将免赔额作为一种衡量成本分担的措施,以市场层面的医疗保健支出增长。我们分析了2002年至2012年美国州级面板数据集的新组合,发现私人团体保险较高的免赔额水平与较低的支出增长显著相关,尤其是在药品方面。我们在OLS和工具变量模型中观察到类似的结果,其中我们使用雇主和工人偏好的措施作为免赔水平的工具。我们的理论和结论是,成本分摊通过限制使用更昂贵的新技术来影响支出增长,这是全球医疗保健支出增长的主要驱动因素。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Do Higher Deductibles Slow Health Spending Growth?
Abstract High health care spending growth is regarded in all countries as a potential policy problem. The potential for patient cost-sharing to reduce spending levels has been studied extensively; however, there has been very little work on how cost-sharing may also influence spending growth. In this paper, we relate deductibles as a measure of cost-sharing to health care spending growth at the market level. We analyze a novel combination of US state-level panel datasets from 2002 to 2012 and find that higher deductible levels in private group insurance are associated with significantly lower spending growth, particularly for pharmaceuticals. We observe similar results in both OLS and instrumental variables models, where we use measures of employer and worker preferences as instruments for deductible levels. We theorize and conclude that cost-sharing affects spending growth by constraining the use of more costly new technology, a major driver of health care spending growth worldwide.
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来源期刊
CiteScore
2.60
自引率
8.30%
发文量
9
期刊介绍: International Journal of the Economics of Business presents original, peer reviewed research in economics that is clearly applicable to business or related public policy problems or issues. The term "business" is used in its widest sense to encompass both public and private sector—governmental, private non-profit and cooperative organizations, as well as profit-seeking enterprises. International Journal of the Economics of Business carries papers relating to three main spheres: The organization—to analyse and aid decision making and the internal organization of the business; The industry—to analyse how businesses interact and evolve within and across industries.
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