Variations in Health Insurance Coverage: Benefits vs. Premiums

Renewed national interest in market forces to promote more efficient and cost-conscious behavior by patients and providers increasingly focuses on the structure of private health insurance benefits. Two features of procompetitive legislative proposals are considered: a ceiling on tax-free employer i...

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Bibliographic Details
Published in:Milbank Memorial Fund Quarterly. Health and Society 1984-01, Vol.62 (1), p.53-81
Main Authors: Wilensky, Gail R., Farley, Pamela J., Taylor, Amy K.
Format: Article
Language:English
Subjects:
Costs and Cost Analysis
Deductibles and Coinsurance
Employer provided health insurance
Health Benefit Plans, Employee - economics
Health insurance
Hospital costs
Income Tax - legislation & jurisprudence
Insurance Benefits
Insurance coverage
Insurance deductibles
Insurance pools
Insurance premiums
Insurance, Health - economics
Physicians
Tax benefits
United States
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Summary:Renewed national interest in market forces to promote more efficient and cost-conscious behavior by patients and providers increasingly focuses on the structure of private health insurance benefits. Two features of procompetitive legislative proposals are considered: a ceiling on tax-free employer insurance premiums and offering greater choice of insurance plans. The interests of efficiency and equity invoke different kinds of risks and transfers; no single institutional approach is likely to yield the promised benefits.
ISSN:0160-1997
0887-378X
DOI:10.2307/3349892