Simulating the effects of employer contributions on adverse selection and health plan choice

Health Services Research

Volumn 34, Issue 4, 1999, Pages 813-837

  Marquis, M Susan ^a   Buchanan, Joan L ^a  

^a NONE

Author keywords

Adverse selection; Health plan choice; Managed competition; Risk adjustment

Indexed keywords

ARTICLE; DATA BASE; DECISION MAKING; EMPLOYEE; EMPLOYER; HEALTH CARE COST; HEALTH CARE UTILIZATION; HEALTH INSURANCE; HEALTH MAINTENANCE ORGANIZATION; MANAGED CARE; NONBIOLOGICAL MODEL; RISK MANAGEMENT; SIMULATION;

CONSUMER SATISFACTION; HEALTH BENEFIT PLANS, EMPLOYEE; HEALTH MAINTENANCE ORGANIZATIONS; HUMANS; INSURANCE SELECTION BIAS; MANAGED COMPETITION; MODELS, ECONOMETRIC; PREFERRED PROVIDER ORGANIZATIONS; RISK ASSESSMENT;

EID: 0032692603     PISSN: 00179124     EISSN: None     Source Type: Journal    
DOI: None     Document Type: Article

References (34)

1. Bowen, B., and E. Slavin. 1991. "Adjusting Contributions to Address Selection Bias." In Advances in Health Economics and Health Services Research, Vol. 12, edited by R. M. Scheffler and L. F. Rossiter, pp. 77-96. Greenwich, CT: JAI Press.
2. Buchanan, J. L., E. B. Keeler, J. Rolph, and M. Holmer. 1991. "Simulating Health Expenditures Under Alternative Insurance Plans." Management Science 37 (9): 1067-90.
3. Buchanan, J. L., and M. S. Marquis. 1999. "Who Gains and Who Loses with Community Rating for Small Business?" Inquiry 36, no. 1 (spring): 30-43.
4. Buchmueller, T. C., and P. J. Feldstein. 1997. "The Effect of Price on Switching Among Health Plans." Journal of Health Economics 16 (3): 231-47.
5. Cantor, J. C., S. H. Long, and M. S. Marquis. 1995. "Private Employment-based Health Insurance in Ten States." Health Affairs 14 (summer): 199-211.
6. Cave, J. 1985. "Equilibrium in Insurance Markets with Asymmetric Information and Adverse Selection." In Advances in Health Economics and Health Services Research, Volume 6, edited by R. M. Scheffler and L. F. Rossiter. Greenwich, CT: JAI Press.
7. Congressional Budget Office. 1993. Managed Competition and Its Potential to Reduce Health Care Spending. Washington, DC: U.S. Government Printing Office. May.
8. Cooper, P. F., and B. S. Schone. 1997. "More Offers, Fewer Takers for Employment-based Health Insurance: 1987 and 1996." Health Affairs 16 (6): 142-49.
9. Cutler, D. M., and S. Reber. 1996. Paying for Health Insurance: The Trade-off Between Competition and Adverse Selection. Cambridge, MA: National Bureau of Economic Research, Working Paper 5796.
10. Cutler, D. M., and R. J. Zeckhauser. 1997. Adverse Selection in Health Insurance. Cambridge, MA: National Bureau of Economic Research, Working Paper 6107.
11. Ellwood, P. M., A. C. Enthoven, and L. Etheridge. 1992. "TheJackson Hole Initiatives for a Twenty-first Century American Health Care System." Health Economics 1 (3): 149-68.
12. Enthoven, A. C. 1990. "Multiple Choice Health Insurance: The Lessons and Challenge to Employers." Inquiry 27, no. 4 (winter): 368-75.
13. Enthoven, A. C., and R. A. Kronick. 1989. "A Consumer Choice Health Plan for the 1990s: Universal Health Insurance in a System Designed to Promote Quality and Economy." The New England Journal of Medicine 320 (1): 29-37.
14. Farley, P., and G. R. Wilensky. 1985. "Household Wealth and Health Insurance as a Protection Against Medical Risks." In Horizontal Equity, Uncertainty, and Economic Well-Being, edited by M. H. David and T. M. Smeeding. Chicago: University of Chicago Press.
15. Feldman, R., and B. Dowd. 1993. "The Effectiveness of Managed Competition: Results from a Natural Experiment." Washington, DC: American Enterprise Institute, Conference Paper (Health Care Expenditure Controls: Political and Economic Issues).
16. Friedman, B., S. A. LaTour, E., and E. F. X. Hughes. 1984. "A Medicare Voucher System: What Can It Offer?" In Proceedings on the Conference on the Future of Medicare, pp. 55-78. Subcommittee on Health of the Committee on Ways and Means, U.S. House of Representatives, Washington, DC. (1 February).
17. Holmer, M. 1984. "Tax Policy and the Demand for Health Insurance." Journal of Health Economics 3 (3): 203-21.
18. Hunt, K. A., S. J. Singer, J. Gabel, D. Lison, and A. C. Enthoven. 1997. "Paying More Twice: When Employers Subsidize Higher-Cost Health Plans." Health Affairs 16 (6): 150-56.
19. Jones, S. B. 1990. "Multiple Choice Health Insurance: The Lessons and the Challenge to Private Insurers." Inquiry 27 (1): 161-66.
20. Keeler, E. B., J. L. Buchanan, J. E. Rolph, J. M. Hanley, and D. M. Reboussin. 1988. The Demand for Episodes of Medical Treatment in the Health Insurance Experiment. R-3454-HHS. Santa Monica, CA: RAND.
21. Keeler, E. B., and J.E. Rolph. 1982. The Demand for Episodes of Medical Service: Interim Results from the Health Insurance Experiment. R-2829-HHS. Santa Monica, CA: RAND.
22. Long, S. H., and M. S. Marquis. 1993. "Gaps in Employer Coverage: Lack of Supply or Lack of Demand?" Health Affairs 12 (Supplement): 282-93.
23. Manning, W. G., J. P. Newhouse, N. Duan, E. B. Keeler, A. Leibowitz, and M. S. Marquis. 1987. "Health Insurance and the Demand for Medical Care: Evidence from a Randomized Experiment." American Economic Review 77 (3): 251-77.
24. Marquis, M. S. 1992. "Adverse Selection with a Multiple Choice Among Health Insurance Plans: A Simulation Analysis." Journal of Health Economics 11 (1): 129-51.
25. Marquis, M. S., and J. L. Buchanan. 1994. "How Will Changes in Health Insurance Tax Policy and Employer Health Plan Contributions Affect Access to Health Care and Health Care Costs?" Journal of the American Medical Association 271 (12): 939-44.
26. _. 1992. "Subsidies and National Health Care Reform: The Effect on Workers' Demand for Health Insurance Coverage." In Health Benefits and the Workforce. Washington, DC: U.S. Department of Labor, Pension and Welfare Benefits Administration.
27. Marquis, M. S., and M. R. Holmer. 1996. "Alternative Models of Choice Under Uncertainty and Demand for Health Insurance." The Review of Economics and Statistics 78 (3): 421-27.
28. Marquis, M. S., and S. H. Long. 1995. "Worker Demand for Health Insurance in the Non-group Market." Journal of Health Economics 14 (1): 47-63.
29. Marquis, M. S., and J. R. Rogowski. 1991. Participation in Alternative Health Plans: The Role of Financial Incentives in Medicare Beneficiaries' Decisions. R-4105-HCFA. Santa Monica, CA: RAND.
30. Newhouse, J. P., and the Insurance Experiment Group. 1993. Free For All? Lessons Learned from the RAND Health Insurance Experiment. Cambridge, MA: Harvard University Press.
31. Nichols, L. M., L. J. Blumberg, G. P. Acs, C. E. Uccello, and J. A. Marsteller. 1997. Small Employers: Their Diversity and Health Insurance. Washington, DC: Urban Institute.
32. Tessler, R., and D. Mechanic. 1975. "Factors Affecting the Choice Between Prepaid Group Practice and Alternative Health Insurance Programs." Milbank Memorial Fund Quarterly/Health and Society 53, no. 2 (spring): 149-72.
33. U.S. Library of Congress, Congressional Research Service. 1988. Costs and Effects of Extending Health Insurance Coverage. Report prepared for the House Committees on Education and Labor and Energy and Commerce and the Senate Special Committee on Aging (Education and Labor Serial No. 100-EE). Washington, DC.
34. Wolfman, B. 1961. "Medical Expenses and Choice of Plans: A Case Study." Monthly Labor Review 84 (11): 1186-90.