ANALYZING FIRM SIZE DIFFERENCES IN INSURANCE COVERAGE

分析保险范围内的公司规模差异

• 批准号: 3427793
• 负责人: CHERYL DAMBERG
• 金额: $ 2.16万
• 依托单位: RAND CORPORATION
• 依托单位国家: 美国
• 财政年份: 1992
• 资助国家: 美国
• 起止时间: 1992-09-01 至 1994-08-31
• 项目状态: 已结题
• 来源: https://reporter.nih.gov/project-details/3427793
• 关键词: data collection; employment /unemployment; health care service evaluation; health insurance; health surveys; problem solving

The purpose of this study is to identify the important factors that are associated with the lack of insurance for the roughly 30 million Americans who are medically uninsured. Many of the uninsured are employed by small firms. A number of proposals seek to ameliorate the problem by changing the availability and affordability of group health insurance for small firms. Proponents of this approach contend that if insurance prices were the same for small firms as for large firms, that coverage rates would be similar. Although price differentials do exist in the insurance market and contribute to the problem of lower coverage rates among small firms, there is growing evidence that other' factors contribute to the observed differences in coverage (e.g., heterogeneous workers). Thus, an analysis of firm size differentials in the lack of health insurance coverage is central to understanding the problem and the likely impact of proposed strategies to solve it. Many studies and policy proposals have focused on firm size alone as the critical determinant of health insurance coverage. These studies and proposals ignore the fact that individuals employed by small firms may be different from those employed by large firms, and that these differences may affect their demand for health insurance. Using data from the 1987 National Medical Expenditures Survey, I will: 1) examine the relationship among firm size, personal characteristics, work-related factors, and insurance coverage; and 2) decompose the gap in health insurance coverage between employees of large and small firms into the portions attributable to worker characteristics, firm size effects, and the interaction of worker and firm size factors. The results of the study will help clarify the relative importance of various explanations for the gap in health insurance coverage between employees of large and small firms. The study should shed light on the likelihood that reform measures aimed at small firms will succeed.

这项研究的目的是确定重要因素 与大约3000万美国人缺乏保险有关 在医学上没有保险的人。 许多未保险的人雇用了 公司。 许多建议通过更改来改善问题 小型团体健康保险的可用性和负担能力 公司。 这种方法的支持者认为，如果保险价格为 小型公司与大公司一样，覆盖率将是 相似的。 尽管价格差异确实存在于保险市场，并且 助长小公司覆盖率较低的问题 越来越多的证据表明其他因素有助于观察到的 覆盖范围的差异（例如，异质工人）。 因此，分析 缺乏健康保险的公司规模差异是 了解问题以及提议的可能影响的核心 解决它的策略。 许多研究和政策建议仅关注公司规模 健康保险范围的关键决定因素。 这些研究和 提案忽略了小公司雇用的个人可能是 与大公司所使用的不同，这些差异 可能会影响他们对健康保险的需求。 使用1987年国家医疗支出调查的数据，我将：1） 检查公司规模，个人特征之间的关系， 与工作有关的因素和保险范围； 2）分解差距 大型和小公司员工之间的健康保险范围 归因于工人特征，公司规模效应和 工人和公司规模因素的相互作用。 该研究的结果将有助于阐明 关于健康保险范围差距的各种解释 大型和小公司的员工。 该研究应阐明 针对小公司的改革措施的可能性可能会成功。