Princeton and NBER, United States.
J Health Econ. 2013 Sep;32(5):780-93. doi: 10.1016/j.jhealeco.2012.09.005. Epub 2013 Feb 26.
Most existing work on the demand for health insurance focuses on employees' decisions to enroll in employer-provided plans. Yet any attempt to achieve universal coverage must focus on the uninsured, the vast majority of whom are not offered employer-sponsored insurance. In the summer of 2008, we conducted a survey experiment to assess the willingness to pay for a health plan among a large sample of uninsured Americans. The experiment yields price elasticities of around one, substantially greater than those found in most previous studies. We use these results to estimate coverage expansion under the Affordable Care Act, with and without an individual mandate. We estimate that 35 million uninsured individuals would gain coverage and find limited evidence of adverse selection.
大多数关于医疗保险需求的现有研究都集中在员工决定参加雇主提供的计划上。然而，任何实现全民覆盖的尝试都必须关注那些没有保险的人，他们中的绝大多数人没有得到雇主提供的保险。2008 年夏天，我们进行了一项调查实验，以评估大量美国无保险人群对医疗保险计划的支付意愿。实验得出的价格弹性约为 1，大大高于大多数先前研究的结果。我们使用这些结果来估计《平价医疗法案》下的覆盖范围扩大情况，包括和不包括个人授权。我们估计，3500 万无保险的个人将获得保险，并且发现了选择不当的有限证据。
