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南京审计大学邹苗苗博士讲座通知

发布时间: 2019/10/09 11:01:26     点击次数:次   打印本页

北航经商院 • 经济学双周论坛 第36  

尊敬的各位老师:  

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“北航经商院 • 经济学双周论坛”将在本周五迎来第36期讨论,具体安排如下:  

时间:本周五(1011日)中午12:00-14:00

地点:新主楼A1028  

在此诚挚邀请您参与讨论和分享!  

题目高医疗消费者责任转移对健康保险市场保费和成本分担条款的影响

Title:  Impacts of shifting responsibility for high-cost individuals on Health Insurance Exchange plan premiums and cost-sharing provisions

 

主讲人邹苗苗

Speaker:  Miaomiao Zou

摘要Abstract

保险公司可以通过调整保费、成本分担和/或保险计划覆盖程度来应对预期的人均医疗支出增长。我们使用具有plan-level固定效应的双重差分模型来估计关闭国家运行的高风险基金池(HRP)所产生的预期支出增加的影响。对于白银计划,我们发现保险发行人通过提高保费和免赔额以及提高二者的比率来应对HRP的关闭。这种对价格结构的调整与发行人不愿意调整免赔额的假设是一致的,因为消费者更加看重免赔额的变化而不是保费的变化。保费与免赔额比率的增加表明,预期支出的增加导致低医疗消费者在总医疗保健风险池中所占份额的增加,以及高医疗消费者所占份额的减少。

Insurance companies can respond to increases in expected per-capita healthcare expenditures by adjusting premiums, cost-sharing requirements, and/or plan generosity. We use a Difference-in-Difference model with Plan-level Fixed Effects to estimate the impacts of increases in expected expenditures generated by closure of state-operated High Risk Pools (HRPs). For Silver plans, we find that issuers responded to HRP closures by increasing both premiums and deductibles, and by increasing the ratios of premiums to deductibles. This adjustment to the structure of plan prices is consistent with the hypothesis that issuers will be reluctant to adjust deductibles, because consumers tend to overweight changes in deductibles over changes in premiums. The increase in the ratio of premiums to deductibles indicates that the increase in expected expenditures triggered an increase in the share of total risk-pool health care expenditures paid by low healthcare utilizers, and a decrease in the share paid by high utilizers.

主讲人简介 (Introduction)

邹苗苗,南京审计大学,城市发展研究院,助理教授,院长助理。邹博士2017年毕业于内华达大学雷诺校区。研究领域为健康经济学、劳动经济学和家庭经济学。她的研究已发表于《Journal of Health Economics》和《The Journal of Development Studies》。

Dr. Zou is an assistant professor of the Institute of Urban Development in School of Economics at Nanjing Audit University. She obtained her Ph.D. in Economics from University of Nevada, Reno in 2017. Her research focuses on health economics, labor economics, and family economics. Her studies have been published in Journal of Health Economics and The Journal of Development Studies.



 

                        经济与商学研究院  

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