Tilipman, Nicholas
Employer incentives and distortions in health insurance design implications for welfare and costs / Nicholas Tilipman
Resumen.
Bibliografía.
This paper studies employer incentives in designing health insurance provider networks and whether observed offerings reflect preferences that are aligned with employees. I estimate a model of supply and demand where I endogenize employer health plan offerings with respect to hospital and physician networks. I find that employers "overprovide" broad networks by overweighting the preferences of certain employees, specifically older workers and those in regions with less provider competition, over the preferences of the average employee household. Shifting employers toward offering different provider networks in different geographic markets could yield substantial gains to surplus, with minimal distributional or selection effects.
SEGUROS DE SALUD
TRABAJADORES
INCENTIVOS
GASTOS SANITARIOS
ESTADOS UNIDOS
The American Economic Review 0002-8282 v. 112, n. 3, March 2022, p. 998-1037
Employer incentives and distortions in health insurance design implications for welfare and costs / Nicholas Tilipman
Resumen.
Bibliografía.
This paper studies employer incentives in designing health insurance provider networks and whether observed offerings reflect preferences that are aligned with employees. I estimate a model of supply and demand where I endogenize employer health plan offerings with respect to hospital and physician networks. I find that employers "overprovide" broad networks by overweighting the preferences of certain employees, specifically older workers and those in regions with less provider competition, over the preferences of the average employee household. Shifting employers toward offering different provider networks in different geographic markets could yield substantial gains to surplus, with minimal distributional or selection effects.
SEGUROS DE SALUD
TRABAJADORES
INCENTIVOS
GASTOS SANITARIOS
ESTADOS UNIDOS
The American Economic Review 0002-8282 v. 112, n. 3, March 2022, p. 998-1037