Measuring Consumer Valuation of Limited Provider Networks
研究了马萨诸塞州健康保险交易所中保险网络的广度，估计了消费者对宽窄网络的支付意愿，发现消费者虽偏好更广网络但支付意愿低于品牌溢价，且对明星医院有额外估值。
We measure the breadth of insurance networks in the Massachusetts health insurance exchange. Using our measures, we estimate consumer willingness-to-pay for broad and narrow networks. We find that consumers have a wide range of plans available with dramatically different networks. While consumers value broader networks, their willingness-to-pay is smaller than the brand premium, indicating an additional role for brand preferences. Consumers place additional value on star hospitals, which may affect upstream negotiations. Finally, we find significant geographic heterogeneity in the value of broad networks.