Marketplace Plans With Narrow Physician Networks Feature Lower Monthly Premiums Than Plans With Larger Networks
Marketplace Plans With Narrow Physician Networks Feature Lower Monthly Premiums Than Plans With Larger Networks
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DOI：
10.1377/hlthaff.2016.0693
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发表时间：
2016-10-01
期刊：
影响因子：
9.7
通讯作者：
Swanson, Ashley
中科院分区：
文献类型：
--
作者：
Polsky, Daniel;Cidav, Zuleyha;Swanson, Ashley
根据《平价医疗法》推出的健康保险市场与受限制的提供者网络的增长有关。这种计划设计策略的价值，包括其与较低保费的关联，是不确定的。我们使用了2014年美国50个州和哥伦比亚特区医疗保险交易所提供的所有银计划的数据，以估计提供商网络的广度与计划保费之间的关联。我们发现，在一个市场中，对于其他设计相同并控制发行人特定定价策略的计划，具有超小型网络的计划的每月保费比具有大型网络的计划的每月保费低6.7%。由于狭窄网络仍然是保险公司在健康保险市场上提供低成本计划的重要战略，因此健康保险覆盖范围扩大的成功可能与狭窄网络的成功实施有关。
The introduction of health insurance Marketplaces under the Affordable Care Act has been associated with growth of restricted provider networks. The value of this plan design strategy, including its association with lower premiums, is uncertain. We used data from all silver plans offered in the 2014 health insurance exchanges in the fifty states and the District of Columbia to estimate the association between the breadth of a provider network and plan premiums. We found that within a market, for plans of otherwise equivalent design and controlling for issuer-specific pricing strategy, a plan with an extra-small network had a monthly premium that was 6.7 percent less expensive than that of a plan with a large network. Because narrow networks remain an important strategy available to insurance companies to offer lower-cost plans on health insurance Marketplaces, the success of health insurance coverage expansions may be tied to the successful implementation of narrow networks.