劳动力市场集中与工人对健康保险保费的贡献。
Labor Market Concentration and Worker Contributions to Health Insurance Premiums.
机构信息
Johns Hopkins Bloomberg School of Public Health, Baltimore, MD, USA.
Johns Hopkins Carey Business School, Baltimore, MD, USA.
出版信息
Med Care Res Rev. 2022 Apr;79(2):198-206. doi: 10.1177/10775587211012992. Epub 2021 May 6.
In concentrated labor markets, where workers have fewer employers to choose from, employers may exploit their monopsony power by contributing less to workers' health benefits. This study examined if labor market concentration was associated with higher worker contributions to health plan premiums. We combined publicly available data from the Census to calculate labor market concentration and the Medical Expenditure Panel Survey Insurance/Employer Component to determine premium contributions from 2010 to 2016 for metropolitan areas. After controlling for year fixed-effects and market characteristics, we found that higher labor market concentration was associated with higher worker contributions to health plan premiums, lower take-home income, and no change in employer contributions to premiums, consistent with the hypothesis that greater labor market concentration is associated with less generous health benefits. When evaluating the effects of mergers and acquisitions on labor markets, regulatory agencies should critically assess worker contributions to health insurance premiums.
在劳动力市场高度集中的情况下，工人可供选择的雇主较少，雇主可能会通过减少对工人健康福利的投入来利用其买方垄断势力。本研究考察了劳动力市场集中是否与工人对健康计划保费的更高贡献有关。我们结合了来自人口普查的公开数据来计算劳动力市场集中程度，并结合医疗支出面板调查保险/雇主组件来确定 2010 年至 2016 年大都市地区的保费贡献。在控制了年度固定效应和市场特征后，我们发现劳动力市场集中程度越高，工人对健康计划保费的贡献就越高，家庭净收入就越低，而雇主对保费的贡献则没有变化，这与假设即劳动力市场集中程度越高，健康福利就越不慷慨的观点一致。在评估合并和收购对劳动力市场的影响时，监管机构应认真评估工人对医疗保险保费的贡献。
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