Patient Cost-Sharing and Healthcare Spending Growth
研究了患者财务激励在减缓医疗支出增长中的作用，发现费用分摊需精心设计以削减低价值医疗，并探讨了公共政策在优化保险设计中的潜在角色。
In this paper, we explore the role patient incentives play in slowing healthcare spending growth. Evidence suggests that while patients do indeed respond to financial incentives, cost-sharing does not uniformly improve value; rather, cost-sharing provisions must be deliberately structured and targeted to reduce care of low marginal value. Other mechanisms may be helpful in targeting particular populations or types of utilization. The spillover effects between privately insured and publicly insured populations as well as market imperfections suggest a potential role for public policy in promoting insurance design that slows spending growth while increasing the health that each dollar buys.