Can medical savings accounts for the nonelderly reduce health care costs ?
- To understand how medical savings account (MSA) legislation for the nonelderly would affect health care costs.
- Economic policy evaluation based on the RAND Health Expenditures Simulation Model.
- National probability sample of nonelderly noninstitutionalized households.
- Persons in 23157 sampled households from the 1993 Current Population Survey. lnterventlons. - Medical savings account legislation would allow all Americans who are covered only by a catastrophic health care plan to set up a tax-exempt account that they can use to pay medical bills not covered by their health insurance.
The interventions we evaluate differ in the deductibles of the catastrophic plan and in whether the employee or employer funds the MSA.
Main Outcome Measures
- Changes in national health expenditures and net societal benefits of health care.
- If all insured nonelderly Americans switched to MSAs, their health care expenditures would decline by between 0% and 13%, depending on how the MSAs are designed.
However, not all nonelderly Americans would choose MSAs ; taking into account selection pattems, health spending would change by+1% to - 2%. Conclusions. - Medical savings account legislation would have little impact on health care costs of Americans with employer-provided insurance. (...)
Mots-clés Pascal : Coût, Modèle simulation, Législation, Système santé, Etats Unis, Amérique du Nord, Amérique, Homme, Economie santé
Mots-clés Pascal anglais : Costs, Simulation model, Legislation, Health system, United States, North America, America, Human, Health economy
Notice produite par :
Inist-CNRS - Institut de l'Information Scientifique et Technique
Cote : 96-0319644
Code Inist : 002B30A01B. Création : 10/04/1997.