Dominated Options in Health Insurance Plans
研究发现，在同时提供高免赔额和低免赔额健康保险计划的企业中，62%的情况下高免赔额选项对员工的最高支出风险更低，约半数企业的高免赔额计划占支配地位，并探讨了逆向选择定价和雇主偏好等机制。
Prior research documents that there are sometimes dominated options in health plan menus, but is that common? We analyze Kaiser Family Foundation data on health plans that firms offer to their employees. For firms offering both a high-deductible and lower-deductible health plan, 62 percent of the time the high-deductible option has lower maximum spending risk for the employee. We estimate that the high-deductible plan dominates at roughly half of firms. We discuss potential mechanisms behind these surprising patterns and find support both for two explanations: widespread adverse-selection pricing and some employers also differentially favoring high-deductible plans.