Designing Employer Health Benefits for a Heterogeneous Workforce: Risk Adjustment and its Alternatives
Designing Employer Health Benefits for a Heterogeneous Workforce: Risk Adjustment and its Alternatives
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为异质劳动力设计雇主健康福利：风险调整及其替代方案
DOI：
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发表时间：
2001
期刊：
影响因子：
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通讯作者：
T. Selden
中科院分区：
文献类型：
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作者：
W. Encinosa;T. Selden
许多健康经济学家建议雇主为员工提供一个风险调整的选择之间的竞争健康保险计划。然而，雇主很少使用正式的风险调整。本文探讨了雇主可用的一系列健康福利设计方案，不仅关注风险调整，还关注其替代方案。我们认为，虽然正式的风险调整是罕见的，雇主通常使用的策略，以更低的成本完成一些相同的目标。
Many health economists recommend that employers provide employees with a risk-adjusted choice among competing health insurance plans. However, formal risk adjustment is rarely if ever used by employers. This paper examines a range of health benefit design options available to employers, focusing attention not only on risk adjustment but also on its alternatives. We argue that while formal risk adjustment is rare, employers commonly use strategies that accomplish some of the same objectives at less cost.