超越测试：保险市场的实证模型
Beyond Testing: Empirical Models of Insurance Markets.
作者信息
Einav Liran, Finkelstein Amy, Levin Jonathan
机构信息
Department of Economics, Stanford University, Stanford, California 94305, and NBER.
出版信息
Annu Rev Econom. 2010;2:311-336. doi: 10.1146/annurev.economics.050708.143254.
Abstract
We describe recent advances in the empirical analysis of insurance markets. This new research proposes ways to estimate individual demand for insurance and the relationship between prices and insurer costs in the presence of adverse and advantageous selection. We discuss how these models permit the measurement of welfare distortions arising from asymmetric information and the welfare consequences of potential government policy responses. We also discuss some challenges in modeling imperfect competition between insurers and outline a series of open research questions.
摘要
我们描述了保险市场实证分析的最新进展。这项新研究提出了在存在逆向选择和有利选择的情况下估计个人保险需求以及价格与保险公司成本之间关系的方法。我们讨论了这些模型如何能够衡量由信息不对称引起的福利扭曲以及潜在政府政策回应的福利后果。我们还讨论了对保险公司之间不完全竞争进行建模时面临的一些挑战，并概述了一系列有待研究的开放性问题。
相似文献
1
Beyond Testing: Empirical Models of Insurance Markets.超越测试：保险市场的实证模型
Annu Rev Econom. 2010;2:311-336. doi: 10.1146/annurev.economics.050708.143254.
2
Imperfect risk adjustment, risk preferences, and sorting in competitive health insurance markets.竞争性医疗保险市场中的不完善风险调整、风险偏好和选择。
J Health Econ. 2017 Dec;56:259-280. doi: 10.1016/j.jhealeco.2017.04.004.
3
Selection in insurance markets: theory and empirics in pictures.保险市场的选择：理论与实证图片集。
J Econ Perspect. 2011 Winter;25(1):115-38. doi: 10.1257/jep.25.1.115.
4
Beyond Antitrust: Health Care And Health Insurance Market Trends And The Future Of Competition.超越反垄断：医疗保健和健康保险市场趋势与竞争的未来。
Health Aff (Millwood). 2017 Sep 1;36(9):1572-1577. doi: 10.1377/hlthaff.2017.0555.
5
Regulated Medicare Advantage And Marketplace Individual Health Insurance Markets Rely On Insurer Competition.规范的联邦医疗保险优势计划和市场个人医疗保险市场依赖于保险公司之间的竞争。
Health Aff (Millwood). 2017 Sep 1;36(9):1578-1584. doi: 10.1377/hlthaff.2017.0613.
6
Do State Bans of Most-Favored-Nation Contract Clauses Restrain Price Growth? Evidence From Hospital Prices.州政府是否禁止最惠国待遇合同条款来限制价格增长？来自医院价格的证据。
Milbank Q. 2022 Jun;100(2):589-615. doi: 10.1111/1468-0009.12568. Epub 2022 May 10.
7
The role of government in health insurance markets with adverse selection.政府在存在逆向选择的健康保险市场中的作用。
Health Econ. 1998 Dec;7(8):659-70. doi: 10.1002/(sici)1099-1050(199812)7:8<659::aid-hec384>3.0.co;2-1.
8
Restructuring primary health care markets in New Zealand: from welfare benefits to insurance markets.新西兰初级卫生保健市场的重组：从福利补贴到保险市场。
Aust New Zealand Health Policy. 2005 Sep 6;2:20. doi: 10.1186/1743-8462-2-20.
9
The challenge of healthcare big data to China's commercial health insurance industry: evaluation and recommendations.医疗大数据对中国商业健康保险行业的挑战：评估与建议。
BMC Health Serv Res. 2022 Sep 22;22(1):1189. doi: 10.1186/s12913-022-08574-2.
10
Insurer Market Power Lowers Prices In Numerous Concentrated Provider Markets.保险市场势力降低了众多集中供应商市场的价格。
Health Aff (Millwood). 2017 Sep 1;36(9):1539-1546. doi: 10.1377/hlthaff.2017.0552.
引用本文的文献
1
Demand heterogeneity in insurance markets: Implications for equity and efficiency.保险市场中的需求异质性：对公平与效率的影响。
Quant Econom. 2017 Nov;8(3):929-975. doi: 10.3982/qe794. Epub 2017 Nov 20.
2
The Demand for Insurance and Rationale for a Mandate: Evidence from Workers' Compensation Insurance.保险需求与强制保险的理论依据：来自工人补偿保险的证据。
Am Econ Rev. 2022 May;112(5):1621-1668. doi: 10.1257/aer.20190261.
3
Estimating the Value of Public Insurance Using Complementary Private Insurance.利用补充性私人保险评估公共保险的价值。
Am Econ J Econ Policy. 2019 Aug;11(3):88-129. doi: 10.1257/pol.20170118.
4
Preferences for private health insurance in China: A discrete choice experiment.中国人对私人健康保险的偏好：一项离散选择实验。
Front Public Health. 2022 Sep 6;10:985582. doi: 10.3389/fpubh.2022.985582. eCollection 2022.
5
When Should There Be Vertical Choice in Health Insurance Markets?健康保险市场何时应存在纵向选择？
Am Econ Rev. 2022 Jan;112(1):304-342. doi: 10.1257/aer.20201073.
6
The Value of Medicaid: Interpreting Results from the Oregon Health Insurance Experiment.医疗补助计划的价值：解读俄勒冈健康保险实验的结果
J Polit Econ. 2019 Dec;127(6):2836-2874. doi: 10.1086/702238.
7
Deriving risk adjustment payment weights to maximize efficiency of health insurance markets.推导出风险调整支付权重以最大化医疗保险市场效率。
J Health Econ. 2018 Sep;61:93-110. doi: 10.1016/j.jhealeco.2018.07.001. Epub 2018 Jul 23.
8
Measuring efficiency of health plan payment systems in managed competition health insurance markets.衡量管理竞争型医疗保险市场中健康计划支付系统的效率。
J Health Econ. 2017 Dec;56:237-255. doi: 10.1016/j.jhealeco.2017.05.004.
9
Paying Medicare Advantage plans: To level or tilt the playing field.支付医疗保险优势计划：为了拉平或倾斜竞争环境。
J Health Econ. 2017 Dec;56:281-291. doi: 10.1016/j.jhealeco.2016.12.004. Epub 2016 Dec 29.
10
Estimating the Tradeoff Between Risk Protection and Moral Hazard with a Nonlinear Budget Set Model of Health Insurance.利用健康保险的非线性预算集模型评估风险保护与道德风险之间的权衡
Int J Ind Organ. 2015 Nov 1;43:122-135. doi: 10.1016/j.ijindorg.2015.08.001.
本文引用的文献
1
Pricing and Welfare in Health Plan Choice.健康计划选择中的定价与福利
Am Econ Rev. 2012 Dec;102(7):3214-48. doi: 10.1257/aer.102.7.3214.
2
Multiple Dimensions of Private Information: Evidence from the Long-Term Care Insurance Market.私人信息的多个维度：来自长期护理保险市场的证据。
Am Econ Rev. 2006 Sep;96(4):938-58.
3
Choice Inconsistencies Among the Elderly: Evidence from Plan Choice in the Medicare Part D Program.老年人的选择不一致性：来自医疗保险处方药计划中计划选择的证据。
Am Econ Rev. 2011 Jun 1;101(4):1180-1210. doi: 10.1257/aer.101.4.1180.
4
Preference Heterogeneity and Insurance Markets: Explaining a Puzzle of Insurance.偏好异质性与保险市场：解释一个保险难题
Am Econ Rev. 2008 May;98(2):157-162. doi: 10.1257/aer.98.2.157.
5
ESTIMATING WELFARE IN INSURANCE MARKETS USING VARIATION IN PRICES.利用价格变化估计保险市场中的福利
Q J Econ. 2010 Aug 1;125(3):877-921. doi: 10.1162/qjec.2010.125.3.877.
6
Optimal Mandates and The Welfare Cost of Asymmetric Information: Evidence from The U.K. Annuity Market.最优授权与信息不对称的福利成本：来自英国年金市场的证据
Econometrica. 2010 May 1;78(3):1031-1092. doi: 10.3982/ECTA7245.
7
Death spiral or euthanasia? The demise of generous group health insurance coverage.
Inquiry. 2007;44(4):412-27. doi: 10.5034/inquiryjrnl_44.4.412.
8
Asymmetric information in health insurance: evidence from the National Medical Expenditure Survey.健康保险中的信息不对称：来自国家医疗支出调查的证据。
Rand J Econ. 2001 Autumn;32(3):408-27.
Zotero 插件