Tax Credits For Health Insurance And Medical Savings Accounts

Pauly, Mark V.; Goodman, John C.; Feder, Judith; Levitt, Larry; Butler, Stuart M.; Cutler, David M.; Wilensky, Gail R.

doi:10.1377/hlthaff.14.1.125

Cited by 55 publications

(25 citation statements)

References 2 publications

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“…15 But they describe these components differently and ultimately reverse their relative importance. They suggest a "cumulative" catastrophic package activated when total annual expenses exceed a given threshold.…”

Section: Discussionmentioning

confidence: 99%

Positive Experience with Medical Savings Accounts in Singapore

Massaro

Wong

1995

Health Affairs

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Section: Discussionmentioning

confidence: 99%

Positive Experience with Medical Savings Accounts in Singapore

Massaro

Wong

1995

Health Affairs

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“…9 Figure 3 shows the consumer's choice of h for various levels of E(s). The expression for the critical target expenditure level for a consumer of health status s, denoted E c (s), is found by evaluating each curve at its peak, equating the expressions, and solving for E: (11), the rebate at the consumer's point of indifference between the two plans, E c (s)-p(h*,s)T, is strictly positive. 10 9 9.…”

Section: [Figures 1 and 2]mentioning

confidence: 99%

“…In If it offers the plan, the insurer will set E(s) as low as possible, while still inducing the consumer 11 11. The Envelope Theorem was used to eliminate terms associated with _h*/_s and _h/_s.…”

Section: [Figures 1 and 2]mentioning

confidence: 99%

The Economics of Incentive-Based Health Care Plans

Heffley¹,

Miceli²

1998

The Journal of Risk and Insurance

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Medical savings accounts (MSAs) belong to a larger class of incentive-based health care plans. Using a model that allows the consumer to invest in healthy activities, we examine the efficiency properties of incentive plans and compare them to traditional full-coverage and deductible plans, under both experience rating and community rating. The model also is extended to include utilization of preventive health care. Properly constructed incentive plans have the capacity to induce socially efficient levels of healthy activities and preventive care, raising the expected wealth of consumers without reducing insurers' profits.-1- The Economics of Incentive-Based Health Care PlansDennis Heffley and Thomas Miceli Department of Economics, University of Connecticut July 13, 1997 ABSTRACT Medical savings accounts (MSAs) belong to a larger class of incentive-based health care plans. Using a model that allows the consumer to invest in healthy activities, we examine the efficiency properties of incentive plans and compare them to traditional full-coverage and deductible plans, under both experience rating and community rating. The model also is extended to include utilization of preventive health care. Properly constructed incentive plans have the capacity to induce socially efficient levels of healthy activities and preventive care, raising the expected wealth of consumers without reducing insurers' profits.

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“…The extent to which they achieve these goals is widely debated (Gramm 1994;Massaro and Wong 1995;Pauly and Goodman 1995;Thorpe 1995;Hsiao 1995;Dixon 2002;Davis 2004;Lee and Zapert 2005;McConnell 2005;Robinson 2005;Bloche 2006Bloche , 2007Buntin et al 2006;Remler and Glied 2006;Baicker, Dow and Wolfson 2007;Woolhandler and Himmelstein 2007;Haseltine 2013;McKee and Busse 2013;Park 2015).…”

Section: Introductionmentioning

confidence: 99%

Medical savings accounts: assessing their impact on efficiency, equity and financial protection in health care

Wouters

Cylus

Yang

et al. 2016

HEPL

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Medical savings accounts (MSAs) allow enrolees to withdraw money from earmarked funds to pay for health care. The accounts are usually accompanied by out-of-pocket payments and a high-deductible insurance plan. This article reviews the association of MSAs with efficiency, equity, and financial protection. We draw on evidence from four countries where MSAs play a significant role in the financing of health care: China, Singapore, South Africa, and the United States of America. The available evidence suggests that MSA schemes have generally been inefficient and inequitable and have not provided adequate financial protection. The impact of these schemes on long-term health-care costs is unclear. Policymakers and others proposing the expansion of MSAs should make explicit what they seek to achieve given the shortcomings of the accounts.2

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Tax Credits For Health Insurance And Medical Savings Accounts

Cited by 55 publications

References 2 publications

Positive Experience with Medical Savings Accounts in Singapore

Positive Experience with Medical Savings Accounts in Singapore

The Economics of Incentive-Based Health Care Plans

Medical savings accounts: assessing their impact on efficiency, equity and financial protection in health care

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