Moon M, Nichols L M, Walls S
Urban Institute, USA.
Spectrum. 1997 Winter;70(1):26-9.
As legislators wait to see how the MSA approach to health care reform plays out in the laboratory of the states, authors Marilyn Moon, Len M. Nichols and Susan Wall have put the numbers to work. The researchers simulated the effects of introducing MSAs into the health insurance market. What they found is what critics of MSAs suspected: As the young and healthy shift to MSAs, the premiums for those left in the remaining insurance pool will escalate. However, the authors conclude that if you are male, young and healthy, you stand to gain a lot from the MSA experiment.
在立法者等待观察医疗保健改革的医疗储蓄账户（MSA）方法在各州的实践情况时，作者玛丽莲·穆恩、伦·M·尼科尔斯和苏珊·沃尔已开始对相关数据进行分析。研究人员模拟了将医疗储蓄账户引入医疗保险市场的影响。他们的发现正如医疗储蓄账户的批评者所怀疑的那样：随着年轻健康人群转向医疗储蓄账户，留在剩余保险池中的人的保费将会上升。然而，作者得出结论，如果你是年轻健康的男性，你可能会从医疗储蓄账户实验中获得很多好处。
