Health Aff (Millwood). 2017 Mar 1;36(3):392-393. doi: 10.1377/hlthaff.2017.0026.
The need for innovations in care delivery is recognized by providers, payers, and patients alike. Hospitals, physicians, and other clinicians are experimenting with new models of care designed to better meet patients' needs, reduce administrative burdens, and lower costs. The Affordable Care Act placed the Medicare and Medicaid programs at the center of a national effort to experiment with delivery and payment models designed to improve care and contain costs. These public-sector efforts have often aligned with private initiatives, such as the use of reference pricing-in which an insurer will only pay for a service at the price available from the lowest-cost provider. Employers in the public and private sectors have adopted value-based insurance design, in which copayments and deductibles are calibrated to the clinical benefit obtained from different services. Patients have the most to gain-or lose-from delivery innovations. Better, more efficient care should translate into better health and lower costs, but payment models designed to encourage innovation may have the unintended effect of limiting access to care.
医疗服务提供者、支付方和患者都认识到了创新医疗服务提供方式的必要性。医院、医生和其他临床医生正在试验新的医疗模式,旨在更好地满足患者需求、减轻行政负担并降低成本。《平价医疗法案》将医疗保险和医疗补助计划置于全国性努力的中心,以试验旨在改善医疗服务和控制成本的服务提供与支付模式。这些公共部门的努力常常与私人举措保持一致,比如采用参考定价——保险公司仅按成本最低的供应商提供的价格支付某项服务费用。公共和私营部门的雇主都采用了基于价值的保险设计,即根据从不同服务中获得的临床效益来调整自付额和免赔额。患者从服务提供创新中获益最多——或者损失最大。更好、更高效的医疗服务应能转化为更健康的身体和更低的成本,但旨在鼓励创新的支付模式可能会产生限制医疗服务可及性的意外后果。