Jones S B
Inquiry. 1990 Summer;27(2):161-6.
A health policy consultant with 20 years of experience in public and private health insurance, and particularly multiple choice systems, suggests the evidence is in on our national effort to contain costs through competition, HMOs, and multiple choice health plans. Specifically, we have learned that 1) multiple choice plans are not containing costs for employers, 2) while group and staff model HMOs contain costs, few have cut employers' costs in multiple choice health plans, and 3) group and staff model HMOs' capacity to contain costs has not been matched by insurers' managed care plans. Three options for insurers and HMOs to offer employers are outlined. The options are aimed at changing the behavior of providers so they offer lower cost health care.
一位在公共和私人医疗保险领域拥有20年经验，尤其在多种选择系统方面经验丰富的健康政策顾问表示，关于我们国家通过竞争、健康维护组织（HMO）和多种选择健康计划来控制成本的努力，已有相关证据。具体而言，我们了解到：1）多种选择计划并未为雇主控制成本；2）虽然团体和员工模式的健康维护组织能够控制成本，但在多种选择健康计划中，很少有能削减雇主成本的；3）保险公司的管理式医疗计划并未达到团体和员工模式健康维护组织控制成本的能力。文中概述了保险公司和健康维护组织为雇主提供的三种选择。这些选择旨在改变医疗服务提供者的行为，使其提供成本更低的医疗服务。
