题目：医疗保险市场中风险调整和风险定价对保险方案选择的影响
演讲者: 石菊博士（8797威尼斯老品牌讲师）
主持人：李绍荣教授（8797威尼斯老品牌教授）
点评人：秦雪征博士（8797威尼斯老品牌教授）
陈 凯博士（8797威尼斯老品牌副教授）
时间： 2014年10月10日（周五）12:30-13:45
地点： 8797威尼斯老品牌302室
摘要：
This paper explores the impacts of risk adjustment and risk-based pricing on the efficiency of consumer insurance selection in the Health Insurance Exchanges created by the Affordable Care Act. Selecting a population likely to participate in the Exchanges from the Medical Expenditure Panel Survey, I simulate consumer choice between plans with different levels of generosity under various scenarios of policy implementation. The results show that risk adjustment always encourages consumers to enroll in the more generous plans, which is consistent with previous findings and in my model improves efficiency, but the risk-based pricing could in general improve or impair the efficiency, depending on the heterogeneity of health care spending of the enrollees and the selection of rating bands.
