劳动与健康经济学Workshop| 保险市场架构对保费的分布性影响:分析美国雇主医疗保险市场

发布日期:2021-10-20 12:00    来源:

主讲人:林海珍(印第安纳大学凯利商学院商业经济系) 

报告题目:Distributional Effect of Insurer Concentration on Premiums: Evidence from the Employer-Sponsored Health Insurance Market(保险市场架构对保费的分布性影响:分析美国雇主医疗保险市场)

时间:2021年10月20日(周三)上午10:00-11:30

参会方式:Zoom线上平台(若有意参会,请发送姓名、学院至18701189960@163.com以获取会议链接,仅限北大师生)

主持人:
(国发院)赵耀辉、李玲、刘国恩、雷晓燕、张丹丹
(经院)秦雪征、石菊、王耀璟、袁野

报告摘要: 

We study how insurer concentration affects premiums for fully-insured plans in the employer-sponsored health insurance market. By utilizing quasi-experimental variations induced by mergers among national insurers, we first show that a higher level of market concentration leads to higher premiums. We also show substantial heterogeneity in the impact of increased concentration along the distribution of firm size. In particular, we find a 10% increase in insurer HHI increases premiums for medium-sized firms by 1.2%, but reduces premiums for large-sized firms by 3.2% Additional analyses suggest access to self-insurance and provider prices are critical in explaining our results. We then develop a stylized model in explaining our results and discuss policy implications.

主讲人简介:

林海珍现为印第安纳大学凯利商学院商业经济系的副教授。她于2008年毕业于波士顿大学,获经济学博士学位。她的主要研究兴趣为产业结构和医疗。她同时受聘于美国全国经济研究所(NBER)并且担任美国健康医疗杂志(American Journal of Health Economics)的编审(editorial board)。

 


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