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监管与竞争:对“消费者选择健康计划”的审视

Regulation and competition: an examination of "the consumer choice health plan".

作者信息

Lynk W J

出版信息

J Health Polit Policy Law. 1982 Winter;6(4):625-36. doi: 10.1215/03616878-6-4-625.

DOI:10.1215/03616878-6-4-625
PMID:7057013
Abstract

Legislation to enact the "Consumer Choice Health Plan" is promoted as a step toward competition and away from regulation. This characterization is misleading. The tax provisions in this plan include potentially beneficial reforms, but have offsetting effects that impair economic efficiency. The plan's regulatory provisions rest on a misconception of the characteristics of competition in the health insurance market. These provisions encumber the framework within which competition takes place, and thereby reduce the effectiveness of competition. On balance, the plan is likely to restrict rather than expand the range of effective choice in the health insurance market.

摘要

旨在颁布“消费者选择健康计划”的立法被宣传为迈向竞争、远离监管的一步。这种描述具有误导性。该计划中的税收条款包含一些可能有益的改革措施,但也有抵消性影响,会损害经济效率。该计划的监管条款基于对健康保险市场竞争特征的误解。这些条款束缚了竞争发生的框架,从而降低了竞争的有效性。总体而言,该计划可能会限制而非扩大健康保险市场中的有效选择范围。

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