Consumer Responsiveness to Simple Health Care Prices: Evidence From Tiered Hospital Networks∗
Consumer Responsiveness to Simple Health Care Prices: Evidence From Tiered Hospital Networks∗
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消费者对简单医疗保健价格的反应：来自分级医院网络的证据*
DOI：
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发表时间：
2017
期刊：
影响因子：
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通讯作者：
Elena Prager
中科院分区：
文献类型：
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作者：
Elena Prager
本文表明，当消费者能够轻松评估自付费用时，他们就会在购买医疗保健时进行定价。尽管最近有证据表明这并没有引导消费者转向低价医疗服务，但医疗保健成本控制措施日益刺激了价格购买行为。我展示了消费者在具有分级医院网络的健康保险计划的高度简化的价格信息环境中进行定价。这些消费者观察到一个可预测的、明确的价格，该价格适用于最多三级医院每一级的广泛服务。价格购买所节省的资金足以弥补消费者福利损失并提高收入。
This paper shows that consumers price-shop for health care when they can easily assess out-of-pocket prices. Health care cost containment efforts increasingly incentivize price-shopping, despite recent evidence that this does not steer consumers toward lower-priced care. I show that consumers priceshop in the highly simplified price information environment of health insurance plans with tiered hospital networks. These consumers observe a single predictable, well-defined price that applies to a broad range of services within each of at most three tiers of hospitals. The savings from price-shopping are large enough to both compensate for consumer welfare losses and raise in-