{"title":"消除澳大利亚公共/私人医疗保险的重复:选择退出风险调整补贴?","authors":"F. Paolucci, J. Butler, W. V. D. Ven","doi":"10.22459/AG.18.02.2011.04","DOIUrl":null,"url":null,"abstract":"Australia's existing health-financing arrangements lead to partial duplication in coverage for private health insurance (PHI) holders. The two options to remove duplication are: 1) allowing individuals to 'opt out' from Medicare either (a) by purchasing PHI or (b) by self-insuring via medical savings accounts or other pre-payment arrangements; 2) confining PHI to the coverage of supplementary services. This paper argues in favour of Option 1(a), and argues that from an efficiency perspective PHI should be fully substitutive of Medicare coverage (that is, 'opting out' should be allowed); community rating should be replaced by premium bands; and the 30-40 per cent ad valorem subsidy for PHI should be replaced by ex-ante risk-adjusted subsidies.","PeriodicalId":41700,"journal":{"name":"Agenda-A Journal of Policy Analysis and Reform","volume":"69 1","pages":"49-70"},"PeriodicalIF":0.1000,"publicationDate":"2011-11-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"5","resultStr":"{\"title\":\"Removing Duplication in Public/Private Health Insurance in Australia: Opting Out With Risk-adjusted Subsidies?\",\"authors\":\"F. Paolucci, J. Butler, W. V. D. Ven\",\"doi\":\"10.22459/AG.18.02.2011.04\",\"DOIUrl\":null,\"url\":null,\"abstract\":\"Australia's existing health-financing arrangements lead to partial duplication in coverage for private health insurance (PHI) holders. The two options to remove duplication are: 1) allowing individuals to 'opt out' from Medicare either (a) by purchasing PHI or (b) by self-insuring via medical savings accounts or other pre-payment arrangements; 2) confining PHI to the coverage of supplementary services. This paper argues in favour of Option 1(a), and argues that from an efficiency perspective PHI should be fully substitutive of Medicare coverage (that is, 'opting out' should be allowed); community rating should be replaced by premium bands; and the 30-40 per cent ad valorem subsidy for PHI should be replaced by ex-ante risk-adjusted subsidies.\",\"PeriodicalId\":41700,\"journal\":{\"name\":\"Agenda-A Journal of Policy Analysis and Reform\",\"volume\":\"69 1\",\"pages\":\"49-70\"},\"PeriodicalIF\":0.1000,\"publicationDate\":\"2011-11-01\",\"publicationTypes\":\"Journal Article\",\"fieldsOfStudy\":null,\"isOpenAccess\":false,\"openAccessPdf\":\"\",\"citationCount\":\"5\",\"resultStr\":null,\"platform\":\"Semanticscholar\",\"paperid\":null,\"PeriodicalName\":\"Agenda-A Journal of Policy Analysis and Reform\",\"FirstCategoryId\":\"1085\",\"ListUrlMain\":\"https://doi.org/10.22459/AG.18.02.2011.04\",\"RegionNum\":0,\"RegionCategory\":null,\"ArticlePicture\":[],\"TitleCN\":null,\"AbstractTextCN\":null,\"PMCID\":null,\"EPubDate\":\"\",\"PubModel\":\"\",\"JCR\":\"\",\"JCRName\":\"\",\"Score\":null,\"Total\":0}","platform":"Semanticscholar","paperid":null,"PeriodicalName":"Agenda-A Journal of Policy Analysis and Reform","FirstCategoryId":"1085","ListUrlMain":"https://doi.org/10.22459/AG.18.02.2011.04","RegionNum":0,"RegionCategory":null,"ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"","JCRName":"","Score":null,"Total":0}
Removing Duplication in Public/Private Health Insurance in Australia: Opting Out With Risk-adjusted Subsidies?
Australia's existing health-financing arrangements lead to partial duplication in coverage for private health insurance (PHI) holders. The two options to remove duplication are: 1) allowing individuals to 'opt out' from Medicare either (a) by purchasing PHI or (b) by self-insuring via medical savings accounts or other pre-payment arrangements; 2) confining PHI to the coverage of supplementary services. This paper argues in favour of Option 1(a), and argues that from an efficiency perspective PHI should be fully substitutive of Medicare coverage (that is, 'opting out' should be allowed); community rating should be replaced by premium bands; and the 30-40 per cent ad valorem subsidy for PHI should be replaced by ex-ante risk-adjusted subsidies.
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