How Will the Patient Protection and Affordable Care Act Affect Liability Insurance Costs?

doi:10.7249/RR493

GSTDTAP > 资源环境科学

DOI	10.7249/RR493
报告编号	RR-493-ICJ
	How Will the Patient Protection and Affordable Care Act Affect Liability Insurance Costs?
	David I. Auerbach; Paul Heaton; Ian Brantley
	2014
出版年	2014
页数	74
语种	英语
国家	美国
出版者	RAND Corporation
领域	资源环境
英文摘要	The Patient Protection and Affordable Care Act (ACA) will greatly expand private coverage and Medicaid while making major changes to payment rates and the health care delivery system. These changes will affect traditional health insurers, individuals, and government payers. In addition, a considerable amount of health care is paid for directly by or is indirectly paid for via legal settlements after the care occurs, by liability insurers. This report identifies potential mechanisms through which the ACA might affect claim costs for several major types of liability coverage, especially auto insurance, workers' compensation coverage, and medical malpractice. The authors discuss the conceptual basis for each mechanism, review existing scholarly evidence regarding its importance, and, where possible, develop rough estimates of the size and direction of expected impacts as of 2016. They examine how each mechanism might operate across different liability lines and discuss how variation across states in legal rules, demographics, and other factors might moderate each mechanism's operation. Overall, expected short-term effects of the ACA appear likely to be small relative to aggregate liability insurer payouts in the markets in question. However, under reasonable assumptions, some mechanisms can generate potential cost changes as high as 5 percent or more in particular states and insurance lines. The authors also discuss longer-run changes that could be fostered by the ACA that might exert more significant effects on insurance claim costs, including shifts in tort law, changes in physician supply, new pricing approaches under the accountable care organization model, and changes in population health.
英文关键词	Medical Malpractice Health Insurance Health Care Reform Insurance Liability Workers' Compensation Automobile Insurance Affordable Care Act
URL	查看原文
来源平台	Rand Corporation
引用统计
文献类型	科技报告
条目标识符	http://119.78.100.173/C666/handle/2XK7JSWQ/3860
专题	资源环境科学
推荐引用方式 GB/T 7714	David I. Auerbach,Paul Heaton,Ian Brantley. How Will the Patient Protection and Affordable Care Act Affect Liability Insurance Costs?:RAND Corporation,2014.