Enrollee Incentives in Consumer Directed Health Plans: Spend Now or Save for Later?
作者: Roger FeldmanStephen Parente
刊名: Forum for Health Economics & Policy, 2010, Vol.13 (2)
中文刊名: 健康经济和政策论坛, 2010, Vol.13 (2)
来源数据库: Berkeley Electronic Journal
关键词: criteria for decision-making under risk and uncertaintyconsumer economics - empirical analysispersonal financehealth/general
英文摘要: We propose a model of enrollee incentives in consumer directed health plans (CDHPs) and estimate the model with data from a large employer that offered a CDHP in addition to two traditional health insurance plans. In the CDHP a portion of the enrollee's pretax compensation is placed in an account that can be used to pay for out-of-pocket medical expenses or rolled over to the next year. In a multi-period model, healthy employees should save part of the account to pay for future medical contingencies. We measured health status by the employee's predicted medical spending in the year prior to the CDHP offering. We found that healthy CDHP enrollees tended to spend less in three post-enrollment years than a comparison group of healthy employees who elected to keep their traditional health...
全文获取路径: BE Press 

  • insurance 保险
  • spending 经费
  • uncertainty 不定
  • economics 经济学
  • finance 金融
  • empirical 经验的
  • expenses 经费
  • enrollee 被征入伍者
  • decision 决定
  • making 制定