Stearns S C, Mroz T A
Department of Health Policy and Administration, School of Public, University of North Carolina at Chapel Hill 27599-7400, USA.
Inquiry. 1995;32(4):392-406.
State risk pools exist primarily for persons who want to buy health insurance, but are either medically uninsurable or are only able to find a policy at considerably higher cost than the rate for a standard insured person. While some people enroll in state risk pools for extended periods, many enroll only for a limited time. This study analyzes duration of enrollment in eight state risk pools using data from 1988 through 1991. A discrete time hazard model provides estimates of the relationship between voluntary disenrollment and enrollee and plan characteristics. Among other findings, the regressions provide evidence of substantial increases in disenrollment in most states in response to premium increases that either were implemented by the plan or occurred as enrollees aged into higher risk categories.
州风险共担计划主要面向那些想要购买医疗保险，但因健康原因无法参保或只能以远高于标准参保人员费率的价格找到保险政策的人群。虽然有些人长期参加州风险共担计划，但许多人只参加有限的一段时间。本研究利用1988年至1991年的数据，分析了八个州风险共担计划的参保持续时间。离散时间风险模型提供了自愿退保与参保者及计划特征之间关系的估计值。除其他发现外，回归分析表明，在大多数州，由于计划实施的保费上涨或参保者进入更高风险类别导致保费上涨，退保人数大幅增加。
