More Choice In Health Insurance Marketplaces May Reduce The Value Of The Subsidies Available To Low-Income Enrollees

被引:6
|
作者
Taylor, Erin A. [1 ]
Saltzman, Evan [2 ]
Bauhoff, Sebastian [3 ]
Pacula, Rosalie L. [1 ]
Eibner, Christine [3 ]
机构
[1] RAND Corp, Santa Monica, CA 90401 USA
[2] Univ Penn, Wharton Sch, Dept Healthcare Management, Philadelphia, PA 19104 USA
[3] RAND Corp, Arlington, VA USA
关键词
D O I
10.1377/hlthaff.2014.0763
中图分类号
R19 [保健组织与事业(卫生事业管理)];
学科分类号
摘要
Federal subsidies available to enrollees in health insurance Marketplaces are pegged to the premium of the second-lowest-cost silver plan available in each rating area ( as defined by each state). People who qualify for the subsidy contribute a percentage of their income to purchase coverage, and the federal government covers the remaining cost up to the price of that premium. Because the number of plans offered and plan premiums vary substantially across rating areas, the effective value of the subsidy may vary geographically. We found that the availability of more plans in a rating area was associated with lower premiums but higher deductibles for enrollees in the second-lowest-cost silver plan. In rating areas with more than twenty plans, the average deductible in the second-lowest-cost silver plan was nearly $1,000 higher than it was in rating areas with fewer than thirteen plans. Because premium costs for second-lowest-cost silver plans are capped, deductibles may be a more salient measure of plan value for enrollees than premiums are. Greater standardization of plans or an alternative approach to calculating the subsidy could provide a more consistent benefit to enrollees across various rating areas.
引用
收藏
页码:104 / 110
页数:7
相关论文
共 50 条