Pauly M, Percy A, Herring B
University of Pennsylvania's Wharton School, USA.
Health Aff (Millwood). 1999 Nov-Dec;18(6):28-44. doi: 10.1377/hlthaff.18.6.28.
Although the majority of insured Americans receive their health insurance through their employers, some depend on the individual health insurance market. However, with increased criticism of the lack of choice in group coverage and various proposals including subsidies or tax credits to decrease the number of uninsured, the individual market may start to play a larger role. In this paper we conclude that although efficient large-group insurance will appropriately continue to exist, the individual market appears to be improving, in both administrative cost and protection against high premiums associated with high risk. For diverse workers now in small groups with little plan choice, the individual market might become a reasonable alternative.
尽管大多数有保险的美国人通过雇主获得医疗保险，但也有一些人依赖个人医疗保险市场。然而，随着对团体保险缺乏选择的批评日益增加，以及包括补贴或税收抵免在内的各种旨在减少未参保人数的提议，个人市场可能开始发挥更大的作用。在本文中，我们得出结论，尽管高效的大团体保险将适当地继续存在，但个人市场在行政成本和防范与高风险相关的高额保费方面似乎都在改善。对于目前处于小团体且几乎没有计划选择的多样化工人来说，个人市场可能会成为一个合理的选择。
