Private Health Insurance Exchanges: Early Evidence and Implications for the Future

doi:10.7249/RR1109

GSTDTAP > 资源环境科学

DOI	10.7249/RR1109
报告编号	RR-1109-DHHS
	Private Health Insurance Exchanges: Early Evidence and Implications for the Future
	Christine Buttorff; Sarah A. Nowak; James Syme; Christine Eibner
	2016
出版年	2016
页数	88
语种	英语
国家	美国
出版者	RAND Corporation
领域	资源环境
英文摘要	Private health insurance exchanges offer employer health insurance, combining online shopping, increased plan choice, benefit administration, and cost-containment strategies. This report examines how private exchanges function, how they may affect employers and employees, and the possible implications for the Affordable Care Act's (ACA's) Small Business Health Options Program (SHOP) Marketplaces. The authors found that private exchanges could encourage employees to select less-generous plans. This could expose employees to higher out-of-pocket costs, but premium contributions would drop substantially, so net spending would decrease. On the other hand, employee spending may increase if, in moving to private exchanges, employers decrease their health insurance contributions. Most employers can avoid the ACA's "Cadillac tax" by reducing the generosity of the plans they offer, regardless of whether they move to a private exchange. There is not yet enough evidence to determine whether the private exchanges will become prominent in the insurance market and how they will affect employers and their employees.
英文关键词	Employer Sponsored Health Insurance Health Insurance Markets Affordable Care Act
URL	查看原文
来源平台	Rand Corporation
引用统计
文献类型	科技报告
条目标识符	http://119.78.100.173/C666/handle/2XK7JSWQ/4455
专题	资源环境科学
推荐引用方式 GB/T 7714	Christine Buttorff,Sarah A. Nowak,James Syme,et al. Private Health Insurance Exchanges: Early Evidence and Implications for the Future:RAND Corporation,2016.