How price and quantity factors drive spending in nongroup and employer health plans.

ABSTRACT:

Objectives

To describe how spending in private, nongroup health insurance plans compared to spending in employer plans and to attribute those spending differences to components related to provider prices and quantity of care.

Data sources

The 2016 commercial claims and enrollment data of three large, national insurers from the Health Care Cost Institute.

Study design

We compared per member per month spending across three employer and three nongroup market segments, including on-exchange, off-exchange, and short-term plans, to average commercial spending. We constructed price indices in each market segment and then decomposed spending differences into those attributable to differences in prices, health risk, plan generosity, and other factors.

Data collection/extrac

SUBMITTER: Pelech D 

PROVIDER: S-EPMC9108045 | biostudies-literature | 2022 Jun

REPOSITORIES: biostudies-literature