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Patient Responses to Incentives in Consumer-directed Health Plans : Evidence from Pharmaceuticals

Huckfeldt, Peter J. - 2015

deductible, while in the second firm pharmaceuticals were exempt. Employees in the first firm shifted the timing of drug …

Persistent link: https://www.econbiz.de/10012457739

Can Automatic Retention Improve Health Insurance Market Outcomes?

McIntyre, Adrianna L.; Shepard, Mark; Wagner, Myles - National Bureau of Economic Research - 2021

There is growing interest in market design using default rules and other choice architecture principles to steer consumers toward desirable outcomes. Using data from Massachusetts' health insurance exchange, we study an "automatic retention" policy intended to prevent coverage interruptions...

Persistent link: https://www.econbiz.de/10012510509

The Reallocation of Compensation in Response to Health Insurance Premium Increases

Goldman, Dana P. - 2003

This paper examines how compensation packages change when health insurance premiums rise. We use data on employee choices within a single large firm with a flexible benefits plan; an increasingly common arrangement among medium and large firms. In these companies, employees explicitly choose how...

Persistent link: https://www.econbiz.de/10012469160

Equilibria in Health Exchanges : Adverse Selection vs. Reclassification Risk

Handel, Benjamin R. - 2013

This paper studies regulated health insurance markets known as exchanges, motivated by their inclusion in the Affordable Care Act (ACA). We use detailed health plan choice and utilization data to model individual-level projected health risk and risk preferences. We combine the estimated joint...

Persistent link: https://www.econbiz.de/10012459262

The Impact of Consumer Inattention on Insurer Pricing in the Medicare Part D Program

Ho, Kate - 2015

The Medicare Part D program relies on consumer choice to provide insurers with incentives to offer low-priced, high-quality pharmaceutical insurance plans. We demonstrate that consumers switch plans infrequently and search imperfectly. We estimate a model of consumer plan choice with inattentive...

Persistent link: https://www.econbiz.de/10012457640

Paying a Premium on Your Premium? Consolidation in the U.S. Health Insurance Industry

Dafny, Leemore - 2009

We examine whether and to what extent consolidation in the U.S. health insurance industry is leading to higher employer-sponsored insurance premiums. We make use of a proprietary, panel dataset of employer-sponsored healthplans enrolling over 10 million Americans annually between 1998 and 2006...

Persistent link: https://www.econbiz.de/10012463215

Spillovers in Public Benefit Enrollment : How does Expanding Public Health Insurance for Working-Age Adults affect Future Health Insurance Choices?

Bundorf, M. Kate; McInerney, Melissa; Simon, Kosali … - National Bureau of Economic Research - 2024

Enrollment in one public benefit program often affects enrollment in others. We study life-course spillovers by examining how access to publicly subsidized health insurance prior to age 65 affects public benefit choices at the age of Medicare eligibility. We use administrative data to examine...

Persistent link: https://www.econbiz.de/10014635638

Inattention and Switching Costs as Sources of Inertia in Medicare Part D

Heiss, Florian - 2016

The trend towards giving consumers choice about their health plans has invited research on how good they actually are at making these decisions. The introduction of Medicare Part D is an important example. Initial plan choices in this market were generally far from optimal. In this paper, we...

Persistent link: https://www.econbiz.de/10012455915

The Effect of Patient Cost Sharing on Utilization, Health, and Risk Protection

Shigeoka, Hitoshi - 2013

This paper exploits a sharp reduction in patient cost sharing at age 70 in Japan, using a regression discontinuity design to examine its effect on utilization, health, and financial risk arising from out-of-pocket expenditures. Due to the national policy, cost sharing is 60-80 percent lower at...

Persistent link: https://www.econbiz.de/10012458937

What Does a Deductible Do? The Impact of Cost-Sharing on Health Care Prices, Quantities, and Spending Dynamics

Brot-Goldberg, Zarek C. - 2015

insurance plan that provided free health care to a non-linear, high deductible plan. The switch caused a spending reduction … high-deductible coverage. Consumers reduce quantities across the spectrum of health care services, including potentially … data environment to study how consumers respond to the complex structure of the high-deductible contract. We find that …

Persistent link: https://www.econbiz.de/10012457037

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