Richard G. Frank (
Thomas G. McGuire is a professor of health economics in the Department of Health Care Policy, Harvard Medical School.
Health Aff (Millwood). 2017 Sep 1;36(9):1578-1584. doi: 10.1377/hlthaff.2017.0613.
Two important individual health insurance markets-Medicare Advantage and the Marketplaces-are tightly regulated but rely on competition among insurers to supply and price health insurance products. Many local health insurance markets have little competition, which increases prices to consumers. Furthermore, both markets are highly subsidized in ways that can exacerbate the impact of market power-that is, the ability to set price above cost-on health insurance prices. Policy makers need to foster robust competition in both sectors and avoid designing subsidies that make the market-power problem worse.
两个重要的个人医疗保险市场——医疗保险优势计划和市场，受到严格监管，但依赖于保险公司之间的竞争来供应和定价医疗保险产品。许多地方的医疗保险市场竞争不足，这导致消费者的价格上涨。此外，这两个市场都得到了大量补贴，这可能加剧市场力量（即定价高于成本的能力）对医疗保险价格的影响。政策制定者需要在这两个领域促进强有力的竞争，并避免设计会使市场力量问题恶化的补贴。
