人们如何选择保险计划
文章来源:未知 文章作者:enread 发布时间:2013-03-14 06:14 字体: [ ]  进入论坛
(单词翻译:双击或拖选)
Economists2 often talk about "moral hazard," the idea that people's behavior changes in the presence of insurance. In finance, for instance, investors3 may take more risks if they know they will be bailed4 out, the subject of ongoing5 political controversy6. When it comes to health insurance, the existence of moral hazard is a more matter-of-fact issue: When people get health insurance, they use more medical care, as shown by research including a recent randomized study on the impact of Medicaid, which MIT economist1 Amy Finkelstein helped lead.
 
Such evidence helps explain why insurers and policymakers looking to reduce overall costs have become increasingly attracted to the concept of "consumer-directed medical care," in which consumers pay for a larger share of medical expenses, sometimes in the form of high-deductible insurance plans. If people have to bear greater initial costs (the deductible(可减免的) is the amount consumers must pay before coverage8 kicks in), they may be less likely to seek insured medical care for seemingly marginal health issues.
 
But a new paper co-authored by Finkelstein suggests that forecasting the likely spending reduction associated with high deductibles requires a fine-grained approach, to account for the differing ways consumers respond to incentives9 in the health-care market. The research indicates that consumers select insurance plans based not only on their overall wellness level -- with people in worse health opting11 for more robust12 coverage -- but also on their own anticipated response to having insurance.
 
By scrutinizing13 a large data set based on choices made by employees of Alcoa, Inc., the researchers found that consumers selecting a new insurance policy who expect to reduce their use of medical care by a lot if they have to pick up additional costs shy away from high-deductible plans; by contrast, the people who opt10 for high-deductible plans are the ones who expect to change their health-care use the least.
 
Thus insurers, or at least those who expect that offering more high-deductible plans will lower their expenses, may experience smaller spending changes than they might expect if a random7 group of people were assigned to such plans.
 
"What we [find] is that if you base your forecasts on random assignment, you would substantially overestimate14 the spending reduction you can get by introducing high-deductible plans," says Finkelstein, the Ford15 Professor of Economics at MIT. "The people who select these plans aren't randomly16 drawn17 from the population -- they tend to be people who have a lower behavioral response to the [insurance] contract."


点击收听单词发音收听单词发音  

1 economist AuhzVs     
n.经济学家,经济专家,节俭的人
参考例句:
  • He cast a professional economist's eyes on the problem.他以经济学行家的眼光审视这个问题。
  • He's an economist who thinks he knows all the answers.他是个经济学家,自以为什么都懂。
2 economists 2ba0a36f92d9c37ef31cc751bca1a748     
n.经济学家,经济专家( economist的名词复数 )
参考例句:
  • The sudden rise in share prices has confounded economists. 股价的突然上涨使经济学家大惑不解。
  • Foreign bankers and economists cautiously welcomed the minister's initiative. 外国银行家和经济学家对部长的倡议反应谨慎。 来自《简明英汉词典》
3 investors dffc64354445b947454450e472276b99     
n.投资者,出资者( investor的名词复数 )
参考例句:
  • a con man who bilked investors out of millions of dollars 诈取投资者几百万元的骗子
  • a cash bonanza for investors 投资者的赚钱机会
4 bailed 9d10cc72ad9f0a9c9f58e936ec537563     
保释,帮助脱离困境( bail的过去式和过去分词 )
参考例句:
  • Fortunately the pilot bailed out before the plane crashed. 飞机坠毁之前,驾驶员幸运地跳伞了。
  • Some water had been shipped and the cook bailed it out. 船里进了些水,厨师把水舀了出去。
5 ongoing 6RvzT     
adj.进行中的,前进的
参考例句:
  • The problem is ongoing.这个问题尚未解决。
  • The issues raised in the report relate directly to Age Concern's ongoing work in this area.报告中提出的问题与“关心老人”组织在这方面正在做的工作有直接的关系。
6 controversy 6Z9y0     
n.争论,辩论,争吵
参考例句:
  • That is a fact beyond controversy.那是一个无可争论的事实。
  • We ran the risk of becoming the butt of every controversy.我们要冒使自己在所有的纷争中都成为众矢之的的风险。
7 random HT9xd     
adj.随机的;任意的;n.偶然的(或随便的)行动
参考例句:
  • The list is arranged in a random order.名单排列不分先后。
  • On random inspection the meat was found to be bad.经抽查,发现肉变质了。
8 coverage nvwz7v     
n.报导,保险范围,保险额,范围,覆盖
参考例句:
  • There's little coverage of foreign news in the newspaper.报纸上几乎没有国外新闻报道。
  • This is an insurance policy with extensive coverage.这是一项承保范围广泛的保险。
9 incentives 884481806a10ef3017726acf079e8fa7     
激励某人做某事的事物( incentive的名词复数 ); 刺激; 诱因; 动机
参考例句:
  • tax incentives to encourage savings 鼓励储蓄的税收措施
  • Furthermore, subsidies provide incentives only for investments in equipment. 更有甚者,提供津贴仅是为鼓励增添设备的投资。 来自英汉非文学 - 环境法 - 环境法
10 opt a4Szv     
vi.选择,决定做某事
参考例句:
  • They opt for more holiday instead of more pay.他们选择了延长假期而不是增加工资。
  • Will individual schools be given the right to opt out of the local school authority?各个学校可能有权选择退出地方教育局吗?
11 opting e6a09ce5b5c8079c1654586c4e1dc5b3     
v.选择,挑选( opt的现在分词 )
参考例句:
  • What courses are most students opting for? 多数学生选什么课程? 来自《简明英汉词典》
  • Wells doesn't rule out opting out and then re-signing with Houston. 威尔斯没有排除跳出合同再与火箭重签的可能。 来自互联网
12 robust FXvx7     
adj.强壮的,强健的,粗野的,需要体力的,浓的
参考例句:
  • She is too tall and robust.她个子太高,身体太壮。
  • China wants to keep growth robust to reduce poverty and avoid job losses,AP commented.美联社评论道,中国希望保持经济强势增长,以减少贫困和失业状况。
13 scrutinizing fa5efd6c6f21a204fe4a260c9977c6ad     
v.仔细检查,详审( scrutinize的现在分词 )
参考例句:
  • His grandfather's stern eyes were scrutinizing him, and Chueh-hui felt his face reddening. 祖父的严厉的眼光射在他的脸上。 来自汉英文学 - 家(1-26) - 家(1-26)
  • The machine hushed, extraction and injection nozzles poised, scrutinizing its targets. 机器“嘘”地一声静了下来,输入输出管道各就各位,检查着它的目标。 来自互联网
14 overestimate Nmsz5Y     
v.估计过高,过高评价
参考例句:
  • Don't overestimate seriousness of the problem.别把问题看重了。
  • We overestimate our influence and our nuisance value.我们过高地估计了自己的影响力和破坏作用。
15 Ford KiIxx     
n.浅滩,水浅可涉处;v.涉水,涉过
参考例句:
  • They were guarding the bridge,so we forded the river.他们驻守在那座桥上,所以我们只能涉水过河。
  • If you decide to ford a stream,be extremely careful.如果已决定要涉过小溪,必须极度小心。
16 randomly cktzBM     
adv.随便地,未加计划地
参考例句:
  • Within the hot gas chamber, molecules are moving randomly in all directions. 在灼热的气体燃烧室内,分子在各个方向上作无规运动。 来自辞典例句
  • Transformed cells are loosely attached, rounded and randomly oriented. 转化细胞则不大贴壁、圆缩并呈杂乱分布。 来自辞典例句
17 drawn MuXzIi     
v.拖,拉,拔出;adj.憔悴的,紧张的
参考例句:
  • All the characters in the story are drawn from life.故事中的所有人物都取材于生活。
  • Her gaze was drawn irresistibly to the scene outside.她的目光禁不住被外面的风景所吸引。
TAG标签: health medical insurance
发表评论
请自觉遵守互联网相关的政策法规,严禁发布色情、暴力、反动的言论。
评价:
表情:
验证码:点击我更换图片