Employee health insurance decisions in a flexible benefits environment
利用NCR公司数据，分析员工在弹性福利计划中选择健康保险的影响因素，发现保费、免赔额、共付比例及员工年龄、性别、薪资、婚姻状况显著影响选择，对福利方案设计有参考价值。
This study investigates the factors which influence employees' choices among different health insurance options under a flexible benefits plan. Employee-specific selection and demographic data provided by the former National Cash Register (NCR), were used to analyze the effects of employee and plan characteristics on choice of health care plan. Results suggest that employees' health plan choices are influenced by premium, deductible, and coinsurance amounts, and by employees' age, gender, salary, and marital status. The results are considered within an expected utility maximization model. Implications for the design of flex plans as well as future research and theory are discussed. © 1996 by John Wiley & Sons, Inc.