浅析保证我国商业健康保险发展的因素

文章通过分析我国商业健康保险发展现状,对保证我国商业健康保险发展的因素展开探讨研究,旨在为相关人员基于我国商业健康保险发展现状的保证我国商业健康保险发展的因素研究适用提供一些思路。     

现阶段我国商业健康保险的发展机遇探析

本文基于中国商业健康保险的发展现状,深入分析了现阶段在我国发展商业健康保险面临的机遇,并指出现阶段在我国发展商业健康保险的新思路。     

健康保险发展模式的国际比较

健康保险是许多国家医疗保障体系的组成部分,由于各国的医疗保障制度各具特色,商业健康保险发展也不尽相同.本文对各国商业健康保险的发展情况进行分析比较,从差异中寻找共性,归纳和总结了各国商业健康保险的发展模式.     

对我国商业健康保险专业化经营之探悉

对我国商业健康保险的现状进行分析,探究健康保险专业化经营的优势和特点,并对此进行分析,专业化经营应是商业健康保险要实现跨越式发展的必然选择,专业化经营是保险公司提高经济效益和服务手段的必经之路。本文对我国已经出现的专业化的商业健康保险经营方式进行了分析和探索。     

商业健康保险和农村健康保障

随着农村医疗卫生系统的市场化改革和合作医疗的解体,农民失去了最基本的健康保障.多层次的农村健康保障体系亟待建立.商业健康保险是多层次健康保障体系中的重要支柱.目前开发农村地区对于商业健康保险的潜在需求在经济上是可行的.进一步提出了发展农村商业健康保险的建议.     

重庆市商业健康保险市场困境与对策

商业健康保险作为社会医疗保障体系的重要组成部分,对提高社会整体福利水平和推动国民经济健康平稳发展意义重大。近几年我国商业健康保险发展十分迅速,但整体水平仍然较低。本文通过分别对重庆市商业健康保险市场的保险人、消费者、保险代理人三类市场主体进行调查并分析,发现市场上存在居民健康保险意识低、保险公司缺乏创新、销售激励不足等问题,并提出改良建议。     

论商业健康保险的新业务——心理健康保险

中国商业健康保险体系已经形成，保险产品日益丰富，保障功能日臻完善，商业健康保险的社会稳定器作用进一步显现。但目前商业健康保险的产品还仅限于对人们身体疾病的保障，忽略了人们心理健康的保障。随着我国市场经济的快速发展，日趋激烈的竞争以及工作和生活节奏的加快，使心理疾病患者日益增多，也使得人们对于心理的健康更加重视。本文从商业健康保险产品开发的角度和商业心理健康保险市场供需情况出发，对我国建立心理健康保险的重要性及可行性进行分析，找出我国建立心理健康保险过程中存在的问题，并提出相应的解决策略。     

试论我国健康保险的状况、问题及对策

随着社会的发展和改革的日益深入,健康保险的重要性日益凸现出来。当前,我国基本医疗保险制度的建设取得了相当大的进展,但是仍然存在很多弊端。建立基本医疗保险和商业健康保险相结合的多层次医疗保障体系成为了合理的目标。在健全基本医疗保险制度的同时,着力发展商业健康保险,形成两条腿走路,相互补充、相互促进、共同发展。认真分析当前健康保险的发展形势,积极探索健康保险的发展方向,将对我国医疗保障制度的完善与发展起到重要的作用。     

商业健康保险对家庭风险金融资产投资的影响研究

运用2017年度中国家庭金融调查(CHFS)数据,研究商业健康保险对家庭风险金融资产投资的影响及作用机制.结果 表明:购买商业健康保险能够提高家庭参与风险金融市场的可能性、增加家庭风险金融资产配置比例,并且促进效应在不同收入水平和不同地区家庭间存在差异.进一步分析商业健康保险对家庭风险金融资产配置的影响机制发现:商业健康保险通过直接效应、预防性储蓄和健康风险的中介效应影响家庭参与风险金融市场的可能性;通过直接效应和预防性储蓄中介效应影响家庭风险金融资产持有比例,其中预防性储蓄的中介效应发挥主要作用.有鉴于此,应积极发展商业健康保险,进一步优化家庭金融资产配置和促进金融市场健康发展.     

我国商业健康保险市场发展建议

随着我国国民经济快速健康发展和人民生活水平不断提高,人们对健康越来越重视,商业健康保险市场具有巨大的发展潜力。但综观目前国内的健康险市场,也存在不少问题,如产品单一,定价不合理,保险公司风险控制能力薄弱等。为加快商业健康保险发展,应积极探索商业健康保险发展的各种对策和举措。     

Wages,Health Insurance Benefits,and Worker Sorting Under Asymmetric Information

Abstract

Employer-sponsored health insurance is the single largest source of health insurance in the USA. In this paper, we explore a model that treats a firm as a de facto insurance company. More specifically, we model a firm as both a producer of goods for an output market and a health insurance company for their employees. The model accounts for the joint provision of wages and health insurance, including the possibility of asymmetric information in employee health status. With this structure, a firm can choose to pay their workers in some combination of cash wages and health insurance. We characterize optimal employment contracts and show that the Rothschild–Stiglitz model results under asymmetric information extend to employer provided insurance. We also find that employment-based insurance offers pooling options that are typically not available when insurance is sold as a standalone product, suggesting a stability to employer-based insurance that is not dependent on the tax system.     

Health insurance provision and labor contracts for small firms

Healthcare reform in the USA requires all Americans to buy health insurance and businesses above a certain size to offer healthcare coverage to their employees by 2014. Understanding why some entrepreneurs do not provide employer-based health insurance is important and might help to solve future health insurance problems. Using two unique features which have not yet been discussed in the literature, namely, efficiency–wage theory and a compensation package of monetary wage and health insurance coverage, we provide here a theoretical foundation to why small firms are less likely to offer health insurance and are more likely to have employees with only a weak preference for acquiring health insurance. To reach the goal of health insurance coverage for all, one feasible solution is to allow small firms or individuals to pool together and pay a lower insurance premium.     

Consumer Preferences for Health Care Reform Options

This study uses the 1992 Health and Retirement Study to examine consumer preferences for four health care reform options: tax-financed national health insurance, personally subsidized Medicare extensions, publicly subsidized nursing home insurance, and tax credits for health insurance purchases. Males, non-Caucasians, the self-employed, those in excellent health, and those who reside in the Northeast favor national health insurance, while those with high levels of liquid and non-liquid assets tend to disfavor it. Males and those with higher expectations of living in nursing homes tend to favor personally subsidized Medicare extensions to cover nursing homes and home health care. Those with higher expectations of living in nursing homes also favor publicly subsidized nursing home insurance. Relatively little support for subsidized nursing home insurance is found among males and those with high levels of liquid and non-liquid assets. The self-employed tend to support tax credits for health insurance premiums.     

Health insurance coverage during the COVID-19 pandemic: The role of Medicaid expansion

Using data from the US Census Bureau's Household Pulse Survey, we analyzed the likelihood of loss of health insurance and enrollment into new health coverage during the early months of the COVID-19 pandemic. Loss of employment was associated with a significant increase in the likelihood of loss of health insurance and, specifically, an increase in the likelihood of employer-sponsored health insurance. However, individuals in Medicaid expansion states experienced a lower likelihood of loss of health insurance compared with individuals in nonexpansion states. At the same time, there was a statistically significant increase in Medicaid enrollment in expansion states, by 3.2 percentage points. Reemployment or acquiring employment was associated with a gain in health insurance coverage. During an economic downturn, eligibility, and coverage gaps leave many without affordable coverage options, and the pandemic will likely bring renewed attention to gaps in Medicaid coverage in nonexpansion states.     

Public health insurance,individual health,and entry into self-employment

We investigate the impact of a differential treatment of paid employees versus self-employed workers in a public health insurance system on the entry rate into self-employment. Health insurance systems that distinguish between the two sectors of employment create incentives or disincentives to start a business for different individuals. We estimate a discrete time hazard rate model of entry into self-employment based on representative household panel data for Germany, which include individual health information. The results indicate that an increase in the health insurance cost differential between self-employed workers and paid employees by €10 per month decreases the probability of entry into self-employment by 1.7% of the annual entry rate. This shows that entrepreneurship lock, which an emerging literature describes for the system of employer-provided health insurance in the USA, can also occur in a public health insurance system. Therefore, entrepreneurial activity should be taken into account when discussing potential health-care reforms.     

To Your Health: Health Insurance,Self‐Employment Exit,and Older Entrepreneurs

Drawing on a sample of 5,238 individuals in the Health and Retirement Study, we examined the relationship between having one's own health insurance and exit from self‐employment to employment. Our results indicate that individuals who have health insurance are less likely to exit self‐employment. When self‐employed individuals have their own health insurance, males, relative to females, are more likely to exit self‐employment. Additionally, when self‐employed individuals have their own health insurance, those who do not have health problems that limit work are more likely to exit. We discuss the implications that these findings have on the literature and policymakers.     

Examining Antecedents of Health Insurance Literacy: The Role of Locus of Control,Cognitive Style,and Financial Knowledge

Today's consumer is expected to make health-care decisions that have serious implications for their welfare. However, a major barrier to these decisions is a basic lack of understanding of health insurance. A critical first step is to examine drivers of health insurance literacy and in turn offer interventions that can have a positive impact on consumer welfare. This article explores the relationship between relevant consumer psychographics, financial knowledge, and demographics with health insurance literacy. Results indicate that while demographics play a role, the degree to which consumers believe a situation or event is under their own control (i.e., locus of control), how they process information (i.e., cognitive style), and consumer's financial confidence (i.e., subjective knowledge) is a critical indicator of their health insurance literacy. Cluster analysis reveals three “faces” of health insurance literacy.     

湛江模式的启示:探索社会医疗保险与商业健康保险的合作伙伴关系

在推进全民医保的新探索中,广东省湛江市在推进社会医疗保险与商业健康保险的合作伙伴关系上呈现出独有的特色,引起了政府和社会各界广泛的关注。"湛江模式"的重要启示是,社会医疗保险与商业健康保险建立合作伙伴关系,可以有效促进双方的共同发展以及多层次医疗保障体系的形成与发展。     

灵活就业人员医疗保险参与及受益归属——基于逆向选择和正向分配效应的双重检验

当前,灵活就业人员医疗保险发展不充分与不平衡的问题格外突出,这不仅会制约医保制度公平性与可持续能力的提高,同时会阻碍经济社会的全面、协调和可持续发展。本文运用中国劳动力动态调查数据(CLDS),研究灵活就业人员参加医保的决定因素以及受益归属,从而为新时期医保制度顶层设计提供决策依据。结果表明:一方面,无论是在参保决策还是险种决策阶段,灵活就业人员的健康风险显著正向影响参保状态,说明逆向选择效应显著存在;另一方面,低收入的参保人利用了更多优质的医疗服务,获得了更多的医保基金补偿,并显著改善了健康状况,因此医保发挥了积极的正向分配作用。但是过高的保障水平,在改善医疗可及性的同时会激发道德风险,从而加剧逆向选择问题并阻碍正向分配效应,对更加公平可持续医保制度的建立造成负面影响。     

John E. Murray. Origins of American Health Insurance: A History of Industrial Sickness Funds

John E. Murray's Origins of American Health Insurance concernsa little-known precursor to commercial health insurance, the"industrial sickness funds" of the book's subtitle. This well-researchedbook makes a compelling case for the importance of these fundsin shaping the American health insurance system as we know it.Murray argues that the success of sickness funds during theearly twentieth century helps to explain why European-styleuniversal health insurance does not exist in the United States. In 1915, industrial sickness funds