Whaley Christopher M, Kerber Rose, Wang Daniel, Kofner Aaron, Briscombe Brian
Rand Health Q. 2025 Mar 17;12(2):5. eCollection 2025 Mar.
Because employer-sponsored spending comes from employee wages and benefits, employers have a fiduciary responsibility to administer benefits in the interest of participants. The lack of transparency of prices in the health care market limits employers' ability to knowledgeably develop or implement benefit design decisions. This study uses 2020-2022 medical claims data from a large population of privately insured individuals, including hospitals and other facilities from across the United States, to allow an easy comparison of hospital prices. An important innovation of this study is that hospitals and (hospitals under joint ownership) are identified by name, which is usually not allowed under data use agreements.
由于雇主资助的支出来自员工工资和福利，雇主有信托责任以参与者的利益为出发点管理福利。医疗保健市场价格缺乏透明度，限制了雇主明智地制定或实施福利设计决策的能力。本研究使用了2020年至2022年来自大量私人投保个体的医疗索赔数据，包括美国各地的医院和其他机构，以便轻松比较医院价格。本研究的一项重要创新是按名称识别医院和（联合所有的医院），而这在数据使用协议下通常是不允许的。
