National Opinion Research Center, Bethesda, Maryland, USA.
Health Aff (Millwood). 2010 Jan-Feb;29(1):174-81. doi: 10.1377/hlthaff.2008.0430. Epub 2009 Dec 3.
It's often assumed that high-cost health insurance plans--sometimes called "Cadillac" plans--provide rich benefits to plan subscribers. Health reform provisions that treat these plans like luxuries may be misguided. Only 3.7 percent of variation in the cost of family coverage can be explained by benefit design (actuarial value). Benefit design plus plan type (HMO, PPO, POS, or high-deductible plans) explains 6.1 percent of this variation. Industry type and medical costs in the region also play a role. Most variation in premiums, however, remains largely unexplained.
人们通常认为，高成本的健康保险计划——有时被称为“凯迪拉克”计划——为计划参保人提供丰厚的福利。将这些计划视为奢侈品的医疗改革条款可能存在误导。家庭保险费用的变化只有 3.7%可以用福利设计（精算值）来解释。福利设计加上计划类型（HMO、PPO、POS 或高免赔额计划）可以解释 6.1%的这种变化。行业类型和该地区的医疗费用也起了作用。然而，保费的大部分变化仍然很大程度上无法解释。
