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Health Policy Issues An Economic Perspective Copyright © 2015 Foundation of the American College of Healthcare Executives. Not for sale.

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Presentation on theme: "Health Policy Issues An Economic Perspective Copyright © 2015 Foundation of the American College of Healthcare Executives. Not for sale."— Presentation transcript:

1 Health Policy Issues An Economic Perspective Copyright © 2015 Foundation of the American College of Healthcare Executives. Not for sale.

2 Chapter 6 How Much Health Insurance Should Everyone Have? Copyright © 2015 Foundation of the American College of Healthcare Executives. Not for sale.

3 LEARNING OUTCOME Describe how insurance premiums differ, how their costs influence patients’ healthcare spending decisions, and the impact of employer-purchased health insurance Copyright © 2015 Foundation of the American College of Healthcare Executives. Not for sale.

4 LECTURE Definitions of Insurance Terms Exhibit 6.1 Insurance-Purchase Decision Making Copyright © 2015 Foundation of the American College of Healthcare Executives. Not for sale.

5 LECTURE (CONTINUED) Tax-free, Employer-Paid Health Insurance Advantages Consequences Exhibit 6.2 Exhibit 6.3 Limitation of Tax-Free Status continue to discussion Copyright © 2015 Foundation of the American College of Healthcare Executives. Not for sale.

6 Deductibles, Coinsurance, and Catastrophic Expenses Exhibit 6.1 return to lecture Copyright © 2015 Foundation of the American College of Healthcare Executives. Not for sale.

7 Value of Tax Exclusion for Employer-Paid Health Insurance by Income Level, 2008 Exhibit 6.2 return to lecture Copyright © 2015 Foundation of the American College of Healthcare Executives. Not for sale.

8 Distribution of Employer-Paid Health Insurance Tax Exclusion, by Income, 2010 Exhibit 6.3 return to lecture Copyright © 2015 Foundation of the American College of Healthcare Executives. Not for sale.

9 DISCUSSION What are some of the consequences of greater comprehensiveness of employer-purchased health insurance? What would be likely to happen to employees’ choice of health insurance plans if tax-exempt, employer-paid health insurance were eliminated? Copyright © 2015 Foundation of the American College of Healthcare Executives. Not for sale.

10 SUMMARY Health insurers play a valuable role in society by reducing a person’s risk of a large financial loss. Health insurance also provides protection against relatively small losses, and is purchased because health insurance is subsidized. Copyright © 2015 Foundation of the American College of Healthcare Executives. Not for sale.

11 SUMMARY (CONTINUED) Employer-paid health insurance is tax exempt and employees purchase more comprehensive health insurance because of this tax subsidy. The primary beneficiaries of this tax subsidy are those with higher income because they are in a higher marginal tax bracket. Copyright © 2015 Foundation of the American College of Healthcare Executives. Not for sale.

12 SUMMARY (CONTINUED) Tax-exempt employer-purchased health insurance has distorted consumers’ choices in healthcare and diminished consumer incentives to be concerned with the cost of medical services. Reducing or limiting this tax subsidy may not only provide more funds to assist those with lower income but also make consumers more price sensitive in their choice of health plans and use of medical services. Copyright © 2015 Foundation of the American College of Healthcare Executives. Not for sale.

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