Gabel J R, Jensen G A
Health Insurance Association of America, Washington, DC 20036-3998.
Inquiry. 1989 Winter;26(4):419-31.
States have passed more than 700 statutes mandating that insurers cover specific providers, diseases, or people who otherwise might have difficulty obtaining coverage. We report findings from three econometric studies that examine the effects of mandates on the cost of insurance, the small employer's decision to offer health insurance, and the large employer's decision to self-insure. Study results indicate that mandates raise the price of health insurance substantially, that nearly one of every six small firms that do not offer health insurance would in an essentially mandate-free environment, and that about half of the large firms that are converting to self-insurance would not if there were no mandates.
各州已通过700多项法规，要求保险公司承保特定的医疗服务提供者、疾病或那些原本可能难以获得保险的人群。我们报告了三项计量经济学研究的结果，这些研究考察了强制保险规定对保险成本、小雇主提供医疗保险的决策以及大雇主自我保险决策的影响。研究结果表明，强制保险规定大幅提高了医疗保险价格，在基本没有强制规定的环境下，近六分之一不提供医疗保险的小公司会提供保险，而且如果没有强制规定，约一半转为自我保险的大公司不会这样做。
