| DOI: | 10.7249/RR1109
|
| 报告号: | RR-1109-DHHS
|
| 报告题名: | Private Health Insurance Exchanges: Early Evidence and Implications for the Future |
| 作者: | Christine Buttorff; Sarah A. Nowak; James Syme; Christine Eibner
|
| 出版者: | RAND Corporation
|
| 出版年: | 2016
|
| 发表日期: | 2016
|
| 总页数: | 88
|
| 国家: | 美国
|
| 语种: | 英语
|
| 英文关键词: | Employer Sponsored Health Insurance
; Health Insurance Markets
; Affordable Care Act
|
| 英文摘要: | Private health insurance exchanges offer employer health insurance, combining online shopping, increased plan choice, benefit administration, and cost-containment strategies. This report examines how private exchanges function, how they may affect employers and employees, and the possible implications for the Affordable Care Act's (ACA's) Small Business Health Options Program (SHOP) Marketplaces. The authors found that private exchanges could encourage employees to select less-generous plans. This could expose employees to higher out-of-pocket costs, but premium contributions would drop substantially, so net spending would decrease. On the other hand, employee spending may increase if, in moving to private exchanges, employers decrease their health insurance contributions. Most employers can avoid the ACA's "Cadillac tax" by reducing the generosity of the plans they offer, regardless of whether they move to a private exchange. There is not yet enough evidence to determine whether the private exchanges will become prominent in the insurance market and how they will affect employers and their employees. |
| URL: | http://www.rand.org/content/dam/rand/pubs/research_reports/RR1100/RR1109/RAND_RR1109.pdf
|
| Citation statistics: |
|
| 资源类型: | 研究报告
|
| 标识符: | http://119.78.100.158/handle/2HF3EXSE/27145
|
| Appears in Collections: | 影响、适应和脆弱性
科学计划与规划
气候减缓与适应
气候变化事实与影响
气候变化与战略
|
| File Name/ File Size |
Content Type |
Version |
Access |
License |
|
|---|
| RAND_RR1109.pdf（764KB） | 研究报告 | -- | 开放获取 | | View
Download
|
|
| Recommended Citation: | |
Christine Buttorff,Sarah A. Nowak,James Syme,et al. Private Health Insurance Exchanges: Early Evidence and Implications for the Future. 2016-01-01.
|
|
|