Death spiral or euthanasia? The demise of generous group health insurance coverage

Pauly MV;Mitchell OS;Zeng Y;;
Inquiry : a journal of medical care organization, provision and financing 1970 Vol. 44 pp. -
337
mv1970inquirydeath

Abstract

Employers must determine the types of health care plans to offer and also set employee premiums for each plan provided. Depending on the structure of the employee share of premiums across different health insurance plans, the incentives to choose one plan over another are altered. If employees know …

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