Brown Jeffrey R, Finkelstein Amy
University of Illinois at Urbana-Champaign and NBER.
J Risk Insur. 2009 Feb 10;76(1):5-29. doi: 10.1111/j.1539-6975.2009.01286.x.
This paper reviews the growing literature on the market for private long-term care insurance, a market notable for its small size despite the fact that long-term care expenses are potentially large and highly uncertain. After summarizing long-term care utilization and insurance coverage in the United States, the paper reviews research on the supply of and the demand for private long-term care insurance. It concludes that demand-side factors impose important limits on the size of the private market and that we currently have a limited understanding of how public policies could be designed to encourage the growth of this market.
本文回顾了关于私人长期护理保险市场的不断增多的文献，该市场尽管长期护理费用可能很高且极具不确定性，但规模却很小，这一点值得关注。在总结了美国长期护理的使用情况和保险覆盖范围之后，本文回顾了关于私人长期护理保险供给和需求的研究。研究得出结论，需求端因素对私人市场的规模施加了重要限制，而且我们目前对如何设计公共政策以鼓励该市场的增长了解有限。
