Hall Mark A
Wake Forest University, USA.
Ann Health Law. 2010 Spring;19(3):465-78, 1 p preceding i.
Many measures to reform health insurance markets include various types of government-sponsored reinsurance. This article explains the purposes and types of private and public reinsurance, and reviews available evidence about their performance. The author concludes that government-sponsored reinsurance inherently cannot reduce total costs, but it can shift costs from the private to the public sector. Also, reinsurance can help transition to a new government program or market structure that creates uncertain risks. Whether reinsurance is the best way to accomplish these goals depends greatly on the details.
许多医疗保险市场改革措施都包括各类政府资助的再保险。本文解释了私营和公共再保险的目的及类型，并审视了有关其成效的现有证据。作者得出结论，政府资助的再保险本质上无法降低总成本，但它可以将成本从私营部门转移到公共部门。此外，再保险有助于向一个会产生不确定风险的新政府计划或市场结构过渡。再保险是否是实现这些目标的最佳方式在很大程度上取决于细节。
