WHAT DO WE KNOW ABOUT EMPLOYER RISK ADJUSTING?

本申请申请小额资助，旨在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的最大参与者来源，但他们很少使用风险调整，甚至回避使用家庭规模和年龄等现成的调整。为什么会这样？这仅仅是一个教育雇主的问题，还是在员工福利的整体设计和购买方面，雇主面临着更复杂的经济问题？这次提议的会议暂定于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个问题。拟议中的会议将汇集来自私营雇主的代表，与对该主题有初步想法的研究人员一起，讲述他们做什么、不做什么以及为什么不做。我们希望通过这次会议，1)促进对市场实践影响的研究，2)提出雇主可以更好地利用现有风险调整研究的方法。将为会议写六篇论文。会议后修订的论文将发表在《探究》杂志的一个专版上。

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.