Employee health insurance decisions in a flexible benefits environment
基于一家大企业的员工数据，用逻辑回归模型分析员工在弹性福利计划下选择六种健康保险方案的影响因素，发现保费、免赔额、共付额以及年龄、性别、薪资和婚姻状况显著影响决策。
Empirical investigations of flexible benefits plans, an increasingly popular type of plan that allows employees to choose among multiple benefits options, have been limited. This study investigates hypotheses relating to the determinants of employees' choices among six different health insurance options under a flexible benefits plan. Using employee-specific selection and demographic data provided by a large firm, we estimate a logistic regression model to analyze the effects of employee and plan characteristics on choice of health care plan. Results suggest that health plan decisions are significantly influenced by option premium, deductible and coinsurance amounts, and by employees' age, gender, salary, and marital status. The results are considered within an expected utility maximization model.