Dasgupta C G, Ghose S
Arizona State University West.
Health Mark Q. 1994;11(3-4):41-54. doi: 10.1300/J026v11n03_05.
Choosing a good quality health insurance policy is important for most individuals in this country. The choice task is however, made quite complicated by the existence of many alternative policies which are each characterized by multiple attributes. This paper examines whether the price (i.e., premium) of a health insurance plan can give a reliable signal about the objective quality level of the plan. Empirical analysis of real-world data shows that overall, price is positively correlated with such quality. Statistical significance tests are conducted to separately evaluate such correlations for different categories of health insurances. Finally, the empirical results are used to indicate implications for consumer decision making.
对于这个国家的大多数人来说，选择一份优质的健康保险政策非常重要。然而，由于存在许多具有多种属性特征的替代政策，选择任务变得相当复杂。本文研究健康保险计划的价格（即保费）是否能给出有关该计划客观质量水平的可靠信号。对实际数据的实证分析表明，总体而言，价格与质量呈正相关。进行统计显著性检验以分别评估不同类别健康保险的这种相关性。最后，实证结果用于表明对消费者决策的启示。
