人乳寡糖对基于就业的健康保险计划保费的影响。
The effect of HMOs on premiums in employment-based health plans.
作者信息
Feldman R, Dowd B, Gifford G
机构信息
Institute for Health Services Research, University of Minnesota, Minneapolis 55455.
出版信息
Health Serv Res. 1993 Feb;27(6):779-811.
This study documents the effect of HMOs on premiums in employment-based health plans. We analyzed a survey of Minnesota employers conducted in 1986. Among 922 usable observations, 239 firms offered HMOs in addition to fee-for-service (FFS) health plans. We estimated an equation for the probability of offering an HMO, followed by equations for HMO enrollment share, and HMO and FFS premiums. The weighted average HMO and FFS premium in firms that offer HMOs was compared to the premium of FFS-only firms. We found that offering an HMO raises the average premium for family coverage health insurance by $25.14 per month and for single coverage by $3.68 per month. This effect was smaller for firms in the Twin Cities metropolitan area. HMOs may be viewed as a progressive and innovative health care benefit, but they are likely to increase firms' health insurance premiums.
本研究记录了健康维护组织（HMO）对基于就业的健康保险计划保费的影响。我们分析了1986年对明尼苏达州雇主进行的一项调查。在922个可用观测值中，有239家公司除了提供按服务收费（FFS）的健康保险计划外，还提供健康维护组织计划。我们估计了一个关于提供健康维护组织计划概率的方程，随后是关于健康维护组织参保份额以及健康维护组织和按服务收费计划保费的方程。将提供健康维护组织计划的公司中健康维护组织和按服务收费计划的加权平均保费与仅提供按服务收费计划的公司的保费进行了比较。我们发现，提供健康维护组织计划会使家庭保险覆盖的健康保险平均每月保费增加25.14美元，单人保险覆盖的保费平均每月增加3.68美元。对于双子城都会区的公司来说，这种影响较小。健康维护组织计划可能被视为一种进步和创新的医疗福利，但它们很可能会增加公司的健康保险保费。
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