Barriers to Entry of a Vertically Integrated Health Insurer: An Analysis of Welfare and Entry Costs
Barriers to Entry of a Vertically Integrated Health Insurer: An Analysis of Welfare and Entry Costs
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DOI：
10.1111/j.1530-9134.2009.00221.x
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发表时间：
2009-06-01
影响因子：
1.9
通讯作者：
Ho, Katherine
中科院分区：
文献类型：
--
作者：
Ho, Katherine
我调查的原因，垂直整合的健康保险公司的市场扩张尝试基本上失败了。我使用计量经济学模型的消费者需求的医院和保险公司模拟进入28个新市场的综合计划。结果表明，加入世贸组织将使社会盈余每年增加340亿美元以上。然后，我调查了几个潜在的进入障碍。其中三点尤为重要。综合计划无法吸引足够的注册者来支持其提供商网络，除非它们超过竞争对手的质量水平并使消费者相信这一好处。对建设新设施计划的监管限制可能也很重要。
I investigate the reasons why market expansion attempts by vertically integrated health insurers have largely failed. I use an econometric model of consumer demand for hospitals and insurers to simulate entry of an integrated plan into 28 new markets. The results indicate that entry would increase social surplus by over $34 billion per year. I then investigate several potential barriers to entry. Three are particularly important. Integrated plans cannot attract enough enrollees to support their provider networks unless they exceed competitor quality levels and convince consumers of this benefit. Regulatory restrictions on plans building new facilities may also be important.