Effects of state reinsurance programs on health insurance exchange premiums and insurer participation

Objective

The aim of the study was to estimate the effect of the state-based reinsurance programs through the section 1332 State Innovation Waivers on health insurance marketplace premiums and insurer participation.

Data Source

2015 to 2022 Robert Wood Johnson Foundation Health Insurance Exchange Compare Datasets.

Study Design

An event study difference-in-differences (DD) model separately for each year of implementation and a synthetic control method (SCM) are used to estimate year-by-year effects following program implementation.

Data Collection/Extraction Methods

Not applicable.

Principal Findings

Reinsurance programs were associated with a decline in premiums in the first year of implementation by 10%–13%, 5%–19%, and 11%–17% for bronze, silver, and gold plans (p < 0.05). There is a trend of sustained declines especially for states that implemented their programs in 2019 and 2020. The SCM analyses suggest some effect heterogeneity across states but also premium declines across most states. There is no evidence that reinsurance programs affected insurer participation.

Conclusion

State-based reinsurance programs have the potential to improve the affordability of health insurance coverage. However, reinsurance programs do not appear to have had an effect on insurer participation, highlighting the need for policy makers to consider complementary strategies to encourage insurer participation.     

某二级公立医院员工满意度与影响因素分析

目的:通过调查、分析某二级公立医院员工满意度现状及影响因素,为探寻提升员工满意度路径提供依据。方法:按分层随机抽样法,抽取医院276名员工进行满意度问卷调查,对搜集到的数据进行统计分析。结果:医院员工满意度为(71.26±8.57)分;各维度评分中得分最高的是"领导与管理"维度,为(15.52±2.02)分;最低的是"薪酬与福利"维度,为(12.57±2.77)分。学历和岗位是影响该院员工满意度的主要因素。结论:医院员工满意度处于一般水平,医院应从健全薪酬福利机制、做好职业规划、重视不同群体需求、营造文化氛围等路径入手,提升员工满意度。