Modeling employer self-insurance decisions after the Affordable Care Act.
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ABSTRACT:
SUBMITTER: Cordova A
PROVIDER: S-EPMC3626325 | biostudies-literature | 2013 Apr
REPOSITORIES: biostudies-literature
Publications
Modeling employer self-insurance decisions after the Affordable Care Act.
Cordova Amado A Eibner Christine C Vardavas Raffaele R Broyles James J Girosi Federico F
Health services research 20130124 2 Pt 2
<h4>Objective</h4>To present a microsimulation model that addresses the methodological challenge of estimating the firm decision to self-insure.<h4>Methodology</h4>The model considers the risk that the firm bears when self-insuring and the opportunity to mitigate that risk by purchasing stop-loss insurance. The model makes use of a structural, utility maximization framework to account for numerous aspects of the firm decision, and a multinomial probit to reproduce the elasticity of the firm's de ...[more]
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