What Do Health Insurance Deductibles Do to Health Care Spending Growth and its Efficiency?

2021 ◽  
Author(s):  
Claudio Lucarelli ◽  
Molly Frean ◽  
Aliza Gordon ◽  
Lynn Hua ◽  
Mark V. Pauly
2021 ◽  
Vol 21 (1) ◽  
Author(s):  
Michael Stucki ◽  
Janina Nemitz ◽  
Maria Trottmann ◽  
Simon Wieser

Abstract Background Decomposing health care spending by disease, type of care, age, and sex can lead to a better understanding of the drivers of health care spending. But the lack of diagnostic coding in outpatient care often precludes a decomposition by disease. Yet, health insurance claims data hold a variety of diagnostic clues that may be used to identify diseases. Methods In this study, we decompose total outpatient care spending in Switzerland by age, sex, service type, and 42 exhaustive and mutually exclusive diseases according to the Global Burden of Disease classification. Using data of a large health insurance provider, we identify diseases based on diagnostic clues. These clues include type of medication, inpatient treatment, physician specialization, and disease specific outpatient treatments and examinations. We determine disease-specific spending by direct (clues-based) and indirect (regression-based) spending assignment. Results Our results suggest a high precision of disease identification for many diseases. Overall, 81% of outpatient spending can be assigned to diseases, mostly based on indirect assignment using regression. Outpatient spending is highest for musculoskeletal disorders (19.2%), followed by mental and substance use disorders (12.0%), sense organ diseases (8.7%) and cardiovascular diseases (8.6%). Neoplasms account for 7.3% of outpatient spending. Conclusions Our study shows the potential of health insurance claims data in identifying diseases when no diagnostic coding is available. These disease-specific spending estimates may inform Swiss health policies in cost containment and priority setting.


2016 ◽  
Vol 53 (1) ◽  
pp. 138-155 ◽  
Author(s):  
Laura A. Hatfield ◽  
Melissa M. Favreault ◽  
Thomas G. McGuire ◽  
Michael E. Chernew

1994 ◽  
Vol 8 (3) ◽  
pp. 67-73 ◽  
Author(s):  
James M Poterba

This brief paper explores the likely effects of government-imposed global budget caps, such as those in the Clinton administration proposal, on health care spending. It argues that health reform proposals that guarantee universal access to a basic package of medical benefits create a substantial new constituency for higher health care outlays. Political and potential legal pressures to expand rather than limit the set of guaranteed benefits, coupled with an expansion of the number of individuals with health insurance coverage, make it unlikely that global budget targets will succeed in reducing the rate of health care spending growth.


2006 ◽  
Vol 30 (4) ◽  
pp. 529-550 ◽  
Author(s):  
Melissa A. Thomasson

This article uses a unique data set from 1957 to examine the racial gap in health insurance coverage and the extent to which that gap influenced racial differences in health care spending. Results indicate that black households in 1957 were statistically significantly less likely to purchase health insurance than white households, even after controlling for differences in income, years of schooling, age, family size, marital status, and other personal and job-related characteristics. Findings in the article also provide weak support for the hypothesis that a racial gap in health insurance coverage contributed to racial differences in health care spending between blacks and whites; even after controlling for differences in income, education, and other characteristics, racial differences in medical expenditures were smaller for insured than for uninsured families, although the result is not statistically significant.


Author(s):  
Michael E. Chernew ◽  
Joseph P. Newhouse

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