Group Health Insurance: A Hedonic Price Approach
AbstractThe authors examine the premium consequences of alternative health insurance provisions by estimating pricing regressions for group insurance with data on 9,019 fee-for-service plans offered by larger firms in the private sector. They find that cost-sharing at the point of purchase, especially for hospital care, significantly lowers fee-for-service premiums. However, some aspects of plan design that are often touted as cost-reducing, such as self-insuring or offering employees the option to join a health maintenance organization, are found to increase premiums. Coverage of alcoholism/chemical dependency treatments, inpatient mental health care, and psychologists' services, which are mandated in many states, are found to be expensive. Copyright 1990 by MIT Press.
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Bibliographic InfoArticle provided by MIT Press in its journal Review of Economics & Statistics.
Volume (Year): 72 (1990)
Issue (Month): 1 (February)
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- Boone, J. & Douven, R.C.M.H. & Droge, C. & Mosca, I., 2010.
"Health Insurance Competition: The Effect of Group Contracts,"
2010-040, Tilburg University, Tilburg Law and Economic Center.
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- Royalty, Anne Beeson, 2008. "Estimating workers' marginal valuation of employer health benefits: Would insured workers prefer more health insurance or higher wages," Journal of Health Economics, Elsevier, vol. 27(1), pages 89-105, January.
- Julien Werle & Vincent Perrin & Edouard Martin & Stéphane Jacobzonne, 1997. "Une approche hedonique de la formation des prix des médicaments remboursables," Économie et Prévision, Programme National Persée, vol. 129(3), pages 73-99.
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