FIRM HEALTH INSURANCE PLANS

美国医保支出增加 在过去的50年里发生了巨大的变化。理解为什么支出是 以及不同类型的保险改革的潜力 限制支出已成为关键的政策问题。《公约》的规定 雇主计划--覆盖近三分之二65岁以下的美国人--各不相同 从一家公司到另一家公司的费用很高，医疗费用也是如此 这些计划。因此，公司提供了一个独特的机会来了解 计划拨备与卫生保健支出之间的关系。一个 唯一的索赔数据文件使这成为可能。这样做的核心目的是 子项目是确定雇主提供的保险的效果 计划医疗费用拨备。目标是：(1)描述 并量化医疗保健支出差异的来源 在公司之间。(2)了解员工计划的决定因素 选择。(3)把计划激励的效果与效果分开 自我选择计划，从而评估计划的潜力 影响医疗服务使用和支出的规定。(4)至 了解不同健康状况对医疗费用的影响 保险改革，包括HMO计划，其他管理性医疗选择，以及 医疗储蓄账户。

Health insurance expenditures in the United States have increased enormously over the last 50 years. Understanding why expenditures are rising and the potential for different kinds of insurance reforms to limit expenditures have become crucial policy issues. The provisions of employer plans-which cover almost two thirds of Americans under 65--vary a great deal from firm to firm and so do the costs of medical care under these plans. Thus firms provide a unique opportunity to understand the relationship between plan provisions and expenditures for health care. A unique file of claims data makes this possible. The core aim of this sub-project is to determine the effect of employer-provided insurance plan provisions on medical expenditures. The goals are: (1) To describe and quantify the sources of the differences in health care expenditures among firms. (2) To understand the determinants of employee plan choices. (3) To isolate the effects of plan incentives from the effects of self-selection of plans, and thus to evaluate the potential for plan provisions to influence medical care use and expenditures. (4) To understand the implications for medical expenditures of various health insurance reforms, including HMO plans, other managed-care options, and medical savings accounts.