Employer incentives and distortions in health insurance design implications for welfare and costs Nicholas Tilipman
By: Tilipman, Nicholas
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Material type: 
ArticleSubject(s): SEGUROS DE SALUD | TRABAJADORES | INCENTIVOS | GASTOS SANITARIOS | ESTADOS UNIDOS
In:
The American Economic Review v. 112, n. 3, March 2022, p. 998-1037Summary: 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.
| Item type | Current location | Home library | Call number | Status | Date due | Barcode |
|---|---|---|---|---|---|---|
| Artículos | IEF | IEF | OP 234/2022/3-1 (Browse shelf) | Available | OP 234/2022/3-1 |
Resumen.
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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.
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