Medical savings accounts: microsimulation results from a model with adverse selection

Article Abstract:

A study was conducted to analyze the possible results of bundling of medical savings accounts with high-deductible catastrophic health plans (MSA/CHP). The study also examined probable outcomes of making tax preferred MSA/CHP available in the employment-related health insurance market. Results indicated that an offering of MSA/CHP by employers would crowd out comprehensive coverage because of the premium spirals produced by biased enrollment into such plans.

Economic aspects, Medical savings accounts

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Health insurance: the tradeoff between risk pooling and moral hazard

Article Abstract:

A study was conducted on the trade-off between the gain from risk reduction and the deadweight loss from moral hazard when selecting an optimal health insurance coverage. The trade-off was examined empirically by estimating the demand for health insurance and the demand for health services. The data came from a randomized controlled trial of cost-sharing's effects on the use of health services and on the health status for a general, non-elderly population.

Evaluation, Supply and demand, Medical care

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Benefits transfer of willingness to pay estimates and functions for health-risk reductions: a cross-country study

Article Abstract:

The results from a novel advanced statistical test conducted in four countries to study benefits transfer of willingness to pay estimates and the resultant effect on reducing health risks is examined.

Accident & Health Insurance, Insurance Carriers, Analysis, Usage, Statistical hypothesis testing

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