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利的健康事件有关，例如昂贵的医疗费用、工作时间损失和永久性残疾。保险可以减少健康冲击的财务影响，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，必须了解最有效的激励措施设计和政府干预这些市场的后果。 这个CAREER研究项目将联合收割机几个行政数据集与现代研究策略相结合，分析健康风险保险市场设计的许多方面。研究结果将为健康保险市场的公共政策提供信息，这些市场将以重要的方式改善美国数百万人的生活。 本研究项目的成果将有助于降低医疗成本，改善健康，并最终提高工人的生产力和经济增长在美国这个职业生涯的研究项目包括一系列的实证研究的影响，公共政策和激励设计内两个健康相关的保险设置：工人的赔偿保险和医疗保险和医疗补助提供的健康保险。 第一部分调查工伤保险的设置。 本研究将分析的重要性，覆盖任务，在解决保险市场失灵，如逆向选择和外部性，利用变化和行政数据。该组件的目的是利用通过链接工人补偿政策，工人劳动力市场结果和索赔的管理数据集创建的数据集。第二个项目调查医疗保险和医疗补助的激励设计。 本研究调查的影响，医生激励提供医疗保健的受益人双重资格的医疗保险和医疗补助利用急剧变化的医生支付率为选定的服务提供给双重资格的受益人与ACA的介绍。 最后一个组成部分是一个综合教育计划，其重点是为高级研究生和最近的博士生开发一个卫生经济学辅导讲习班。 该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，并被认为值得通过使用基金会的知识价值和更广泛的影响审查标准进行评估。

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.