Workflow
Optimal Insurance Design
icon
Search documents
期刊Journal of Health Economics 2025年102卷目录及摘要|保险学术前沿
13个精算师· 2025-11-02 02:02
Core Insights - The article discusses various studies published in the Journal of Health Economics, focusing on the impact of broadband internet on youth mental health, the factors influencing long-term care insurance uptake, the effects of Earned Income Tax Credits on intergenerational health mobility, and the implications of payroll subsidies in nursing homes [4][6]. Group 1: Broadband Internet and Youth Mental Health - Broadband internet access has increased the prevalence of mental disorders among younger cohorts (born between 1985 and 1995) by 0.08 standard deviation units, with no significant impact on older individuals (born between 1974 and 1984) [8][9]. - The negative effects are particularly pronounced for those exposed to the internet before the age of 20, affecting various mental health issues including depression, anxiety, drug abuse, and personality disorders [8][9]. Group 2: Long-Term Care Insurance - The study explores the role of correlation preference and the relative preference for quality of life over wealth in influencing the decision to purchase long-term care insurance [11][12]. - The findings suggest that these preferences contribute to the low uptake of long-term care insurance, with correlation seeking behavior being a significant factor [11][12]. Group 3: Earned Income Tax Credits and Health Mobility - The research presents empirical evidence that the Earned Income Tax Credits (EITC) improve intergenerational health mobility, particularly upward mobility [13]. - The study utilizes self-reported health status data to analyze the effects of childhood exposure to EITC benefits across different temporal, geographic, and family structures [13]. Group 4: Nursing Home Payroll Subsidies - Payroll subsidies have been shown to increase staffing levels in nursing homes by approximately 7.4% of pre-subsidy average staffing, but they also decrease the Medicaid share of new admissions by about 11.5% [14][15]. - The study indicates that while these subsidies effectively enhance staffing, they may lead to a shift in the demographic characteristics of nursing home residents, potentially affecting access to care for Medicaid enrollees [14][15]. Group 5: Housing Wealth and Medical Spending - The analysis reveals that housing wealth does not have a significant impact on out-of-pocket medical expenditures among older homeowners, with estimates indicating negligible effects across various expenditure categories [17][18]. - This suggests that many homeowners either do not need to access their housing wealth for medical expenses or are unwilling or unable to do so [17][18]. Group 6: Nonlinear Reimbursement Rules - The study examines nonlinear reimbursement rules for preventive and curative medical care, highlighting that optimal insurance designs should increase benefits with both types of care to align incentives and reduce informational rents [19][22]. - The findings emphasize the importance of understanding the dynamics of preventive care choices and their implications for reimbursement structures [19][22]. Group 7: Longevity, Education, and Income - The research investigates the relationship between longevity, education, and income, concluding that the potential economic benefits of increased education due to longer life expectancy are minimal, particularly in low-income countries [23]. - The study suggests that even with significant educational responses to longevity, the overall impact on lifetime income remains less than 1% for typical low-income countries [23].