Does public insurance crowd out private insurance?
Does public insurance crowd out private insurance?
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DOI：
10.2307/2946683
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发表时间：
1996-05-01
影响因子：
13.7
通讯作者：
Gruber, J
中科院分区：
文献类型：
--
作者：
Cutler, DM;Gruber, J
扩大公共部门医疗计划的成本主要取决于公共资格在多大程度上只覆盖未保险的人，或者将挤出现有的私人保险范围。我们估计的程度所产生的挤出从医疗补助的扩展到孕妇和儿童在1987年至1992年期间。我们估计，大约50%的医疗补助覆盖率的增加与私人保险覆盖率的减少有关。这主要是因为雇员较少参加雇主保险。还有一些证据表明，雇主缴纳的保险费减少了，工人也放弃了对家属的保险。
The cost of expanding public sector health programs depends critically on the extent to which public eligibility will cover just the uninsured, or will crowd out existing private insurance coverage. We estimate the extent of crowd-out arising from the expansions of Medicaid to pregnant women and children over the 1987-1992 period. We estimate that approximately 50 percent of the increase in Medicaid coverage was associated with a reduction in private insurance coverage. This occurred largely because employees took up employer-based insurance less frequently. There is also some evidence that employers contributed less for insurance and that workers dropped coverage of dependents.