Monheit Alan C, Cantor Joel C, Koller Margaret, Fox Kimberley S
Health Systems and Policy Division, School of Public Health, University of Medicine and Dentistry of New Jersey, Piscataway, USA.
Health Aff (Millwood). 2004 Jul-Aug;23(4):167-75. doi: 10.1377/hlthaff.23.4.167.
The New Jersey Individual Health Coverage Program (IHCP) was implemented in 1993; key provisions included pure community rating and guaranteed issue/renewal of coverage. Despite positive early evaluations, the IHCP appears to be heading for collapse. Using unique administrative and survey data, we examined trends in IHCP enrollment and premiums. We found the stability of the IHCP to be fragile in light of improving opportunities for job-related health insurance. We also found that it is retaining high-risk enrollees. Institutional realities and the difficulty of identifying a control group preclude attributing causality to the plan's pure community rating and open enrollment provisions.
新泽西州个人健康保险覆盖计划（IHCP）于1993年实施；主要条款包括纯粹的社区费率设定以及保险覆盖范围的保证发行/续保。尽管早期评估结果积极，但IHCP似乎正走向崩溃。利用独特的行政和调查数据，我们研究了IHCP的参保人数和保费趋势。鉴于与工作相关的健康保险机会不断改善，我们发现IHCP的稳定性很脆弱。我们还发现它保留了高风险参保者。机构现实情况以及确定对照组的困难使得无法将该计划纯粹的社区费率设定和开放参保条款归结为因果关系。
