《平价医疗法案》的受抚养人保险强制规定是否提高了保险费？
Did the Affordable Care Act's dependent coverage mandate increase premiums?
作者信息
Depew Briggs, Bailey James
机构信息
Louisiana State University, United States.
Creighton University, United States.
出版信息
J Health Econ. 2015 May;41:1-14. doi: 10.1016/j.jhealeco.2015.01.004. Epub 2015 Jan 20.
We investigate the impact of the Affordable Care Act's dependent coverage mandate on insurance premiums. The expansion of dependent coverage under the ACA allows young adults to remain on their parent's private health insurance plans until the age of 26. We find that the mandate has led to a 2.5-2.8 percent increase in premiums for health insurance plans that cover children, relative to single-coverage plans. We are able to conclude that employers did not pass on the entire premium increase to employees through higher required plan contributions.
我们研究了《平价医疗法案》中受抚养人保险强制规定对保险费的影响。根据该法案扩大的受抚养人保险范围，允许年轻人在26岁之前继续留在其父母的私人医疗保险计划中。我们发现，相对于单人保险计划，该强制规定导致涵盖儿童的医疗保险计划的保费增加了2.5%至2.8%。我们能够得出结论，雇主并未通过提高所需的计划缴费将全部保费增加转嫁给员工。
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