Bond M T, Heshizer B P, Hrivnak M W
Cleveland State University, USA.
Benefits Q. 1996;12(2):78-83.
This article analyzes and reviews the cost and design characteristics of medical savings accounts (MSAs). By placing premium savings from high-deductible health insurance in medical savings accounts, individuals have an incentive to shop for medical services. A more market-oriented health insurance and delivery system results, as individuals are now both users and buyers of health care. Data show that most families would accumulate balances in their MSAs that may be used for future medical expenses or savings. Through program design, the potential problems of adverse selection and cost to risk can be greatly reduced.
本文分析并回顾了医疗储蓄账户（MSA）的成本及设计特点。通过将高免赔额医疗保险中的保费储蓄存入医疗储蓄账户，个人便有了购买医疗服务的动机。由于个人现在既是医疗保健的使用者又是购买者，因此会形成一个更具市场导向性的医疗保险和服务提供体系。数据显示，大多数家庭会在其医疗储蓄账户中积累余额，这些余额可用于未来的医疗费用或储蓄。通过项目设计，逆向选择和风险成本等潜在问题可大幅降低。
