| 来源类型 | Working Paper |
| 规范类型 | 报告 |
| DOI | 10.3386/w19566 |
| 来源ID | Working Paper 19566 |
| The Effects of Retiree Health Insurance Plan Characteristics on Retirees' Choice and Employers' Costs | |
| Robert Clark; Melinda Morrill; David Vanderweide | |
| 发表日期 | 2013-10-24 |
| 出版年 | 2013 |
| 语种 | 英语 |
| 摘要 | To moderate the rate of growth of retiree health insurance costs, employers can modify plans and move retirees into less expensive plans. We examine policy modifications implemented by the North Carolina State Health Plan. We investigate whether incentives produce the desired plan elections and whether these changes, along with cost shifting, produce the expected reductions in cost growth. Using individual-level administrative data, along with aggregated data on expenditures for retirees, we estimate the effects of the introduction and subsequent repeal of a Comprehensive Wellness Initiative for non-Medicare eligible retirees, as well as increases in coinsurance and copayments and the introduction of a premium for all retirees. Over a third of non-Medicare retirees shifted into the least generous plan between June 2009 and December 2012. The level effects on annual costs and unfunded accrued liabilities were relatively modest, but growth rates were diminished. Increases in the retiree premiums reduced projected costs. |
| 主题 | Subnational Fiscal Issues ; Health, Education, and Welfare ; Health ; Labor Economics ; Labor Compensation |
| URL | https://www.nber.org/papers/w19566 |
| 来源智库 | National Bureau of Economic Research (United States) |
| 引用统计 | |
| 资源类型 | 智库出版物 |
| 条目标识符 | http://119.78.100.153/handle/2XGU8XDN/577241 |
| 推荐引用方式 GB/T 7714 | Robert Clark,Melinda Morrill,David Vanderweide. The Effects of Retiree Health Insurance Plan Characteristics on Retirees' Choice and Employers' Costs. 2013. |
| 条目包含的文件 | 条目无相关文件。 | |||||
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