Piontkowski D, Butler L H
Am J Public Health. 1980 Mar;70(3):274-6. doi: 10.2105/ajph.70.3.274.
Enrollment trends for a large employee group were analyzed to determine the extent to which consumers chose Blue Cross or Health Maintenance Organization (HMO) health insurance under various premium differentials. Data were collected from employment records of six University of California campuses for the period 1967 to 1978. Enrollment in the Kaiser Foundation Health Plan (an HMO) more than doubled during this period while enrollment in Blue Cross remained relatively stable. This increased preference for Kaiser coverage was associated with a concurrent relative rise in costs to employees of Blue Cross coverage. These data suggest that consumers are sensitive to insurance costs, and that given the opportunity HMOs can compete effectively with traditional health insurance.
对一个大型员工群体的参保趋势进行了分析，以确定在各种保费差异情况下消费者选择蓝十字或健康维护组织（HMO）医疗保险的程度。数据收集自加利福尼亚大学六个校区1967年至1978年期间的就业记录。在此期间，凯撒基金会健康计划（一种HMO）的参保人数增加了一倍多，而蓝十字的参保人数相对保持稳定。对凯撒保险覆盖范围这种不断增加的偏好与蓝十字保险覆盖范围对员工成本的同期相对上升有关。这些数据表明消费者对保险成本敏感，并且在有机会的情况下，HMO能够与传统医疗保险进行有效竞争。
