Health Insurance, Health Savings Accounts and Health Care Utilization
In: Health Economics, Band 25, Heft No.3
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In: Health Economics, Band 25, Heft No.3
SSRN
In: Defence & peace economics, Band 29, Heft 1, S. 24-43
ISSN: 1476-8267
In: The annals of the American Academy of Political and Social Science, S. 112-140
ISSN: 0002-7162
Contents: Do we need compulsory public health insurance: yes, by I. M. Rubinow; Same: no, by R. G. Leland and A. M. Simons; Alternatives to compulsory public health insurance, by Pierce Williams.
SSRN
Working paper
In: Center for Retirement Research at Boston College, CRR WP 2016-2
SSRN
Working paper
In: Social research: an international quarterly, Band 4, S. 509-514
ISSN: 0037-783X
In: DHEW Publication (SSA)73-10135
In: American federationist: official monthly magazine of the American Federation of Labor and Congress of Industrial Organizations, Band 46, S. 152-158
ISSN: 0002-8428
In: International Journal of Interdisciplinary Research (PSAKUIJIR), Band 1, Heft 1
SSRN
"Health insurance is the machinery that makes the US health system run. But what's going on under the hood? Health Insurance, Third Edition, helps students with the nuts and bolts. Bridging the gap between introductory economics courses and the field of healthcare administration, the book applies economic theory to the real world to explain why the health insurance market functions the way it does. Author Michael Morrisey, in a straightforward style, clearly explains such difficult concepts as adverse selection, moral hazard, managed care, and employer-sponsored health insurance. The book is distinguished by its in-depth discussion of research in health economics, both cutting edge and classic. It clarifies additional concepts like risk adjustment, demand, health savings accounts, selective contracting, the diversity of health insurance markets, and the functioning of Medicare and Medicaid. This third edition has been substantially revised to reflect the rapid evolution of the health field. Throughout, data used are the most recent available. Though health insurance has been a major player in the American healthcare system for decades, it's hardly static. This new edition of Health Insurance keeps pace with the changes while also keeping up on the basics"--
In: Pacific economic review, Band 21, Heft 3, S. 381-412
ISSN: 1468-0106
AbstractThis paper studies the effects of a public insurance system, the New Cooperative Medical Scheme (NCMS) on household savings in rural China. We develop a theoretical model in which we explain the impact of health insurance on savings through the impact of health insurance on out‐of‐pocket (OOP) health expense given the household level of wealth and seriousness of illness. We test the model empirically using data from the China Health and Nutrition Survey. We run endogenous and exogenous quantile regressions to evaluate the effects of NCMS participation on the distributions of household savings and OOP health expense. The impact of NCMS varies with the seriousness of illness. The NCMS induces an increase in OOP health expense for mild illness and, inversely, a decrease in health payments for more serious illnesses. The NCMS also leads to a higher incidence of catastrophic healthcare spending. The impact of the NCMS, given a certain state of illness, also varies with the household level of wealth. Poor households face health expense for both mild and serious illnesses. As the NCMS has opposite effects on the OOP expense for these two kinds of illness, we observe no effect on poor households' precautionary savings. Because the decrease in OOP health expense for mild illness is larger for less poor households, the NCMS induces a decrease in their savings. For the most affluent households, the higher decrease in OOP spending on most moderate illness is dominated by a sharp increase in catastrophic expense, causing an increase in savings. To significantly reduce household savings and enhance household consumption, the NCMS has to offer better coverage against both serious and catastrophic health risks.
In: Proceedings of the Academy of Political Science, Band 16, S. 284-292
ISSN: 0065-0684
In: Far Eastern survey, Band 14, S. 85-88
ISSN: 0362-8949