Managed Care and Employer Health Insurance Offerings
Daniel Polsky and Sean Nicholson have two papers which aim to look at employer health insurance offerings. The first [Polsky, Nicholson (2004)] tries to estimate the factors driving the cost differences between HMO plans and non-HMO (eg: PPO, indemnity) plans. The authors deconstruct the cost differences into three factors: Utilization Effect: this occurs if individuals…