Price School of Public Policy, University of Southern California, Los Angeles, USA.
Health Aff (Millwood). 2012 Apr;31(4):683-90. doi: 10.1377/hlthaff.2011.1301.
Generous coverage of specialty drugs for cancer and other diseases may be valuable not only for sick patients currently using these drugs, but also for healthy people who recognize the potential need for them in the future. This study estimated how healthy people value insurance coverage of specialty drugs, defined as high-cost drugs that treat cancer and other serious health conditions like multiple sclerosis, by quantifying willingness to pay via a survey. US adults were estimated to be willing to pay an extra $12.94 on average in insurance premiums per month for generous specialty-drug coverage--in effect, $2.58 for every dollar in out-of-pocket costs that they would expect to pay with a less generous insurance plan. Given the value that people assign to generous coverage of specialty drugs, having high cost sharing on these drugs seemingly runs contrary to what people value in their health insurance.
对于癌症和其他疾病的特种药物的广泛覆盖，不仅对目前正在使用这些药物的患者有价值，而且对那些认识到将来可能需要这些药物的健康人也有价值。本研究通过调查来量化人们对特种药物保险覆盖范围的意愿，从而评估健康人对特种药物保险覆盖范围的重视程度，这些特种药物被定义为治疗癌症和多发性硬化症等严重健康状况的高成本药物。研究估计，美国成年人平均每月愿意多支付 12.94 美元的保险费来获得慷慨的特种药物覆盖范围--实际上，对于他们预计在保险计划不够慷慨的情况下要自付的每 1 美元，他们愿意多支付 2.58 美元。鉴于人们对特种药物广泛覆盖范围的重视程度，这些药物的高自付费用似乎与人们在医疗保险中看重的内容相悖。
