The Elasticity of Demand for Health Maintenance Organizations
利用全国企业样本数据，分析员工在健康维护组织与传统保险公司之间的选择，估计出健康维护组织的长期需求价格弹性为-0.6，并发现其需求与门诊共付额负相关。
This paper analyzes a national sample of firms where employees faced a choice between a Health Maintenance Organization (HMO) and a conventional insurer such as Blue Cross. A regression analysis is specified as a partial adjustment model and a logit functional form. The long-run price elasticity of demand for HMOs is estimated to be -0.6. To the extent that employers pass on increases in the total premium, the price elasticities facing insurers are higher. Furthermore, the demand for HMOs is a negative function of the copayment charged by the HMO for an office visit.