Issues Every Plan to Reform Health Care Financing Must Confront
聚焦医疗融资改革的三个核心问题：是否放弃经验费率、放弃后是否引发再分配、以及强制保险应针对公司还是个人，对政策制定者和健康保险研究者有参考价值。
This paper focuses on three main issues of fundamental health care reform. First, should experience rating--the linkage of premiums to actual loss experience--be retained? Despite widespread support for experience rating among economists, the paper argues that it should be abandoned for reasons of efficiency and equity. Second, would abandonment of experience rating cause much redistribution? The paper shows that redistribution among industries could require significant transitional adjustments. Third, should companies or individuals be subject to an insurance mandate? The paper calls for combining individual mandates, which have long-term advantages, with employer mandates, which have short-run pluses.