Sinking, Swimming, or Learning to Swim in Medicare Part D
Sinking, Swimming, or Learning to Swim in Medicare Part D
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DOI：
10.1257/aer.102.6.2639
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发表时间：
2012-10-01
影响因子：
10.7
通讯作者：
Roebuck, M. Christopher
中科院分区：
文献类型：
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作者：
Ketcham, Jonathan D.;Lucarelli, Claudio;Roebuck, M. Christopher
根据医疗保险D部分，老年人可以选择由众多私人保险公司提供的处方药保险。我们使用面板数据检查了2006年和2007年非贫困参保人的行为。我们的样本平均减少了298美元的超支，其中81%的人获得了收益。改善最大的是那些在2006年超支最多的人和那些改变计划的人。转换的决定取决于个人2006年的超支情况，以及当前计划变化对个人的具体影响。年龄最大的消费者和那些开始服用阿尔茨海默病药物的人的改善程度高于平均水平，这表明现实世界的机构有助于克服认知限制。（jel d14, g22, h51, i13, i18）
Under Medicare Part D, senior citizens choose prescription drug insurance offered by numerous private insurers. We examine nonpoor enrollees' actions in 2006 and 2007 using panel data. Our sample reduced overspending by $298 on average, with gains by 81 percent of them. The greatest improvements were by those who overspent most in 2006 and by those who switched plans. Decisions to switch depended on individuals' overspending in 2006 and on individual-specific effects of changes in their current plans. The oldest consumers and those initiating medications for Alzheimer's disease improved by more than average, suggesting that real-world institutions help overcome cognitive limitations. (JEL D14, G22, H51, I13, I18)