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The California Cost and Coverage Model: analyses of the financial impacts of benefit mandates for the California legislature.

Abstract：

OBJECTIVE:To produce cost estimates of proposed health insurance benefit mandates for the California legislature. DATA SOURCES:The 2001 California Health Interview Survey, 2002 Kaiser Family Foundation/Health Research and Education Trust California Employer Health Benefits Survey, Milliman Health Cost Guidelines, and ad hoc surveys of large health plans were used. STUDY DESIGN:We developed an actuarial model to estimate short-term (1 year) changes in utilization and total health care expenditures, including insurance premiums and out-of-pocket expenditures, if insurance mandates were enacted. This model includes baseline estimates of current coverage and total current expenditures for each proposed mandate. PRINCIPAL FINDINGS:Analysis of seven legislative proposals indicated 1-year increases in total health care expenditures among the insured population in California ranging from 0.006 to 0.200 percent. Even when proposed mandates were expected to reach a large target group, either utilization or cost was sufficiently low to keep total cost increases minimal. CONCLUSIONS:Our ability to develop a California-specific model to estimate the impacts of proposed mandates in a timely fashion provided California legislators during the 2004 legislative session with more-detailed coverage and cost information than is generally available to legislative bodies.

journal_name

Health Serv Res

journal_title

Health services research

authors

Kominski GF,Ripps JC,Laugesen MJ,Cosway RG,Pourat N

doi

10.1111/j.1475-6773.2006.00518.x

subject

Has Abstract

pub_date

2006-06-01 00:00:00

pages

1027-44

issue

3 Pt 2

eissn

0017-9124

issn

1475-6773

pii

HESR518

journal_volume

41

pub_type

杂志文章

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