CAREER: Empirical Studies on the Impact of Public Policy and Incentive Design in Insurance for Health-Related Risks

个人面临的许多重大财务风险都与不良健康事件有关，如昂贵的医药费、工作时间损失和永久性残疾。保险可以减少健康冲击的金融影响，政府对健康保险市场的干预可以对个人的健康和更广泛的福祉产生重大影响。因此，重要的是要理解最有效的激励设计以及政府干预这些市场的后果。这个职业研究项目将结合几个管理数据集和现代研究策略来分析健康风险保险市场设计的多个方面。研究结果将为医疗保险市场的公共政策提供信息，这将对改善美国数百万人的生活起到重要作用。这一研究项目的结果将有助于降低医疗成本，改善健康，并最终提高美国的工人生产率和经济增长。该职业研究项目包括一系列关于公共政策和激励设计在两种与健康相关的保险环境中的影响的实证研究：工人补偿保险和由Medicare和Medicaid提供的健康保险。第一部分探讨了工伤保险的设置问题。这项研究将利用变异和管理数据，分析承保授权在解决保险市场失灵(如逆向选择和外部性)方面的重要性。此组件的目的是利用通过链接员工薪酬政策、员工劳动力市场结果和索赔的管理数据集创建的数据集。第二个项目调查联邦医疗保险和医疗补助计划中的激励设计。这项研究调查了医生激励对符合联邦医疗保险和医疗补助双重资格的受益人提供医疗保健的影响，利用引入ACA后向双重符合条件的受益人提供的选定服务的医生付款率的急剧变化。最后一个组成部分是一项综合教育计划，该计划的重点是为高级研究生和新近获得博士学位的学生举办卫生经济学指导讲习班。这一研究项目的结果将提供重要的健康保险政策投入，将提高该部门的效率。该奖项反映了NSF的法定使命，并通过使用基金会的智力优势和更广泛的影响审查标准进行评估，被认为值得支持。

Many of the large financial risks individuals face are related to adverse health incidents, such as costly medical bills, lost work time, and permanent disability. Insurance can reduce the financial impact of health shocks, and government intervention in health insurance markets can have large effects on the health and broader wellbeing of individuals. It is therefore important to understand the most efficient design of incentives and the consequences of government intervention in these markets. This CAREER research project will combine several administrative data sets with modern research strategies to analyze many aspects of insurance market design for health risks. The research results will inform public policy on health insurance markets which serve in an important way to improve the lives of millions of individuals in the United States. The results of this research project will contribute to lower healthcare cost, improve health, and ultimately increase worker productivity and economic growth in the U.S.This CAREER research project consists of a series of empirical studies on the impact of public policy and incentive design within two health-related insurance settings: workers' compensation insurance and health insurance provided by Medicare and Medicaid. The first component investigates the setting of workers' compensation insurance. This study will analyze the importance of coverage mandates in addressing insurance market failures such as adverse selection and externalities, utilizing variation and administrative data. The aim of this component is to leverage datasets created by linking administrative data sets on workers' compensation policies, worker labor market outcomes, and claims. The second project investigates incentive design within Medicare and Medicaid. This study investigates the impact of physician incentives for providing health care to beneficiaries dually eligible for Medicare and Medicaid leveraging a sharp change in physician payment rates for selected services provided to dual-eligible beneficiaries with the introduction of the ACA. The final component is an integrated education plan, which focuses on developing a mentoring workshop in health economics for advanced graduate students and recent PhDs. The result of this research project will provide important health insurance policy inputs that will improve efficiency in the sector.This award reflects NSF's statutory mission and has been deemed worthy of support through evaluation using the Foundation's intellectual merit and broader impacts review criteria.