Health insurance design: choices, consumer behavior and policy challenges

医疗成本上升是一个全球性挑战。建立一个有效的医疗保险制度是所有发达国家的一个关键政策问题。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。 预期成果包括为公共卫生设施制定新框架所需的新证据，关于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。这项研究将有利于重新设计公共卫生保险和卫生系统，以改善澳大利亚人的健康，同时节省卫生费用。

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.