Garnick D W, Swartz K, Skwara K C
Institute for Health Policy, Heller School, Brandeis University, Waltham, MA, USA.
Health Aff (Millwood). 1998 Mar-Apr;17(2):137-43. doi: 10.1377/hlthaff.17.2.137.
In this paper we use the reforms to the individual health insurance market in New Jersey to illustrate the intricate interaction between insurance agents and insurance reform initiatives. Until recently, policymakers who designed reforms to the health insurance market largely ignored the role of agents in selling individual health insurance policies. These reforms have the potential to overturn the agent's traditional role, and agents can influence how the reforms are implemented.
在本文中，我们利用新泽西州个人健康保险市场的改革来阐述保险代理人与保险改革举措之间复杂的相互作用。直到最近，设计医疗保险市场改革的政策制定者在很大程度上忽视了代理人在销售个人健康保险政策中的作用。这些改革有可能颠覆代理人的传统角色，而代理人也能够影响改革的实施方式。
