Insurance Choice and Benefit Design
Our work in Insurance Choice and Benefit Design
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People on high-deductible health plans aren’t better health-care shoppers
Researchers find that having ‘skin in the game’ is not enough of an incentive to shop for less expensive care.
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Health Care Spending: Historical Trends and New Directions
This paper reviews some seminal health economics papers (measured by citations) and identifies salient factors driving the growth of medical expenditures.
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The Distributional Effects of the Affordable Care Act’s Cadillac Tax by Worker Income
This study demonstrates that the Cadillac tax—a new excise tax on high-cost employer-sponsored health coverage introduced on January 1, 2018—can be viewed as a regressive policy, in that it results in a larger decrease in the net tax benefit for low-income workers than for high-income workers and a larger increase in net cost for low-income workers than for high-income workers.
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Do “Consumer-Directed” Health Plans Bend the Cost Curve Over Time?
In this study, the researchers found that spending is reduced for firms offering consumer-directed health plans, with reductions driven by spending decreases in outpatient care and pharmaceuticals, with no evidence of increases in emergency department or inpatient care.
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Medication Adherence and Measures of Health Plan Quality
The researchers find plans with higher average adherence had lower rates of disease complications, suggesting that medication adherence measures are useful for improving health plan performance.
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A New Method for Counting Hemophilia-Related Bleeding Events in Claims Data
The researchers found that insurance claims data can be used to construct stable, robust indices of bleeding events in hemophilia patients, permitting reliable studies of factors influencing bleeding frequency and healthcare burden.
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Funding, Coverage, and Access Under Thailand’s Universal Health Insurance Program: An Update After Ten Years
In this analysis of national survey and governmental budgeting data through 2011 to examine trends in health care financing, coverage and access, including out-of-pocket payments in Thailand, the researchers found that, according to statistical results, the program is continuing to achieve its goals after 10 years of operation.
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Use of Insurance against a Small Loss as an Incentive Strategy
This study explores whether the behavioral insight that people are highly averse to small chances of loss can be used to create a powerful incentive that has very low expected value, and finds that incentive design may benefit from utilizing an insurance paradigm.
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How Can We Make Health Care More Affordable?
Neeraj Sood testified before the California State Senate Committee on Health.
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Medicaid Prior Authorization Policies and Imprisonment Among Patients With Schizophrenia
This study examines the impact of Medicaid prior authorization for atypical antipsychotics on the prevalence of schizophrenia among the prison population.
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