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劳动与健康经济学Workshop| 保险市场架构对保费的分布性影响：分析美国雇主医疗保险市场
发布日期：2021-10-20 12:00 来源：
主讲人：林海珍（印第安纳大学凯利商学院商业经济系）
报告题目：Distributional Effect of Insurer Concentration on Premiums: Evidence from the Employer-Sponsored Health Insurance Market（保险市场架构对保费的分布性影响：分析美国雇主医疗保险市场）
时间：2021年10月20日（周三）上午10：00-11：30
参会方式：Zoom线上平台（若有意参会，请发送姓名、学院至[email protected]以获取会议链接，仅限北大师生）
主持人：
（国发院）赵耀辉、李玲、刘国恩、雷晓燕、张丹丹
（经院）秦雪征、石菊、王耀璟、袁野报告摘要：
We study how insurer concentration affects premiums for fully-insured plans in the employer-sponsored health insurance market. By utilizing quasi-experimental variations induced by mergers among national insurers, we first show that a higher level of market concentration leads to higher premiums. We also show substantial heterogeneity in the impact of increased concentration along the distribution of firm size. In particular, we find a 10% increase in insurer HHI increases premiums for medium-sized firms by 1.2%, but reduces premiums for large-sized firms by 3.2% Additional analyses suggest access to self-insurance and provider prices are critical in explaining our results. We then develop a stylized model in explaining our results and discuss policy implications.
主讲人简介：
林海珍现为印第安纳大学凯利商学院商业经济系的副教授。她于2008年毕业于波士顿大学，获经济学博士学位。她的主要研究兴趣为产业结构和医疗。她同时受聘于美国全国经济研究所（NBER）并且担任美国健康医疗杂志（American Journal of Health Economics）的编审（editorial board）。
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大陆成人直播
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劳动与健康经济学Workshop| 保险市场架构对保费的分布性影响：分析美国雇主医疗保险市场
发布日期：2021-10-20 12:00 来源：
主讲人：林海珍（印第安纳大学凯利商学院商业经济系）
报告题目：Distributional Effect of Insurer Concentration on Premiums: Evidence from the Employer-Sponsored Health Insurance Market（保险市场架构对保费的分布性影响：分析美国雇主医疗保险市场）
时间：2021年10月20日（周三）上午10：00-11：30
参会方式：Zoom线上平台（若有意参会，请发送姓名、学院至[email protected]以获取会议链接，仅限北大师生）
主持人：
（国发院）赵耀辉、李玲、刘国恩、雷晓燕、张丹丹
（经院）秦雪征、石菊、王耀璟、袁野报告摘要：
We study how insurer concentration affects premiums for fully-insured plans in the employer-sponsored health insurance market. By utilizing quasi-experimental variations induced by mergers among national insurers, we first show that a higher level of market concentration leads to higher premiums. We also show substantial heterogeneity in the impact of increased concentration along the distribution of firm size. In particular, we find a 10% increase in insurer HHI increases premiums for medium-sized firms by 1.2%, but reduces premiums for large-sized firms by 3.2% Additional analyses suggest access to self-insurance and provider prices are critical in explaining our results. We then develop a stylized model in explaining our results and discuss policy implications.
主讲人简介：
林海珍现为印第安纳大学凯利商学院商业经济系的副教授。她于2008年毕业于波士顿大学，获经济学博士学位。她的主要研究兴趣为产业结构和医疗。她同时受聘于美国全国经济研究所（NBER）并且担任美国健康医疗杂志（American Journal of Health Economics）的编审（editorial board）。
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