MIT.
Am Econ Rev. 2011 Jun 1;101(4):1180-1210. doi: 10.1257/aer.101.4.1180.
We evaluate the choices of elders across their insurance options under the Medicare Part D Prescription Drug plan, using a unique data set of prescription drug claims matched to information on the characteristics of choice sets. We document that elders place much more weight on plan premiums than on expected out of pocket costs; value plan financial characteristics beyond any impacts on their own financial expenses or risk; and place almost no value on variance reducing aspects of plans. Partial equilibrium welfare analysis implies that welfare would have been 27% higher if patients had all chosen rationally.
我们评估了老年人在 Medicare Part D 处方药计划下的各种保险选择，使用了一个独特的处方药索赔数据集，该数据集与选择集特征的信息相匹配。我们记录到，老年人更看重计划保费，而不是预期的自付费用；重视计划财务特征，而不仅仅是对自己财务费用或风险的影响；几乎不重视降低计划方差的方面。局部均衡福利分析表明，如果患者都进行了理性选择，那么福利将提高 27%。
