WHAT DO WE KNOW ABOUT EMPLOYER RISK ADJUSTING?

这项申请是为了获得一笔小额赠款，以召集研究人员和雇主考虑私营雇主健康保险市场中的逆向选择问题，并进一步考虑风险调整在解决这一问题中的作用。 私人雇主是管理式医疗计划注册者的最大来源，但很少使用风险调整器，甚至避免使用这种现成的调整器，如家庭规模和年龄。为什么会这样呢？ 这仅仅是一个教育雇主的问题，还是雇主在整体设计和购买雇员福利时面临更复杂的经济问题？ 这次拟议中的会议暂定于1999年10月初在马萨诸塞州的波士顿举行，目的是讨论和分析这一问题。 拟议的会议将汇集来自私营雇主的代表，告诉他们做什么和不做什么，以及为什么，研究人员对这个问题有初步的想法。 我们希望，通过这次会议，1）促进对市场惯例影响的研究，2）建议雇主如何更好地利用现有的风险调整研究。 将为会议写六篇论文。 这些论文在会后经过修订，将发表在《调查》杂志的一个特别部分。

This application is for a small grant to convene researchers and employers to consider the problem of adverse selection in the private employer health insurance market, and to further consider the role of risk adjustment in addressing this issue. Private employers are the largest source of enrollees of managed care plans, yet make little use of risk adjustors, even shunning use of such readily available adjustors like family size and age. Why is this? Is it simply a matter of educating employers, or are there more complex economic issues facing the employer in the overall design and purchasing of employee benefits? This proposed conference, tentatively scheduled for early October, 1999 in Boston, Massachusetts, is designed to address and analyze this issue. The proposed conference will bring together representatives from private employers, to tell about what they do and do not do, and why, with researchers with preliminary ideas on the topic. We hope, by the conference, to 1) stimulate research on the implications of market practices, and 2) suggest ways employers might make better use of existing risk adjustment research. Six papers will be written for the conference. The papers, revised after the conference, will be published in a special section of the journal, Inquiry.