Health insurance design: choices, consumer behavior and policy challenges

健康保险设计：选择、消费者行为和政策挑战

• 批准号: FT200100630
• 负责人: Prof Yuting Zhang
• 金额: $ 63.67万
• 依托单位: The University of Melbourne
• 依托单位国家: 澳大利亚
• 项目类别: ARC Future Fellowships
• 财政年份: 2021
• 资助国家: 澳大利亚
• 起止时间: 2021-06-30 至 2025-12-29
• 项目状态: 未结题
• 来源: https://dataportal.arc.gov.au/RGS/Web/Grants/FT200100630
• 关键词: Health; insurance; design; choices; consumer

Rising health costs is a global challenge. Creating an efficient health insurance system is a key policy concern in all developed countries. This project aims to study choices, consumer behaviors, and policy challenges in two health insurance markets: Australian private health insurance (PHI) and US Medicare prescription drug insurance. Expected outcomes include new evidence needed to develop a new framework for PHI, new knowledge on how consumers respond to complex pricing structures, and new policy proposals to improve the overall efficiency of the health system. The research will benefit the re-design of PHI and the health system to improve Australians’ health while saving health costs.

不断上涨的医疗费用是一项全球性挑战。建立高效的医疗保险体系是所有发达国家的一个关键政策关注点。该项目旨在研究两个健康保险市场的选择、消费者行为和政策挑战：澳大利亚私人健康保险（PHI）和美国医疗保险处方药保险。 预期成果包括制定 PHI 新框架所需的新证据、有关消费者如何应对复杂定价结构的新知识以及提高卫生系统整体效率的新政策建议。该研究将有利于 PHI 和卫生系统的重新设计，以改善澳大利亚人的健康，同时节省医疗成本。