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Aging Issues in the United States and Japan$
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Seiritsu Ogura, Toshiaki Tachibanaki, and David A. Wise

Print publication date: 2001

Print ISBN-13: 9780226620817

Published to Chicago Scholarship Online: February 2013

DOI: 10.7208/chicago/9780226620831.001.0001

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PRINTED FROM CHICAGO SCHOLARSHIP ONLINE (www.chicago.universitypressscholarship.com). (c) Copyright University of Chicago Press, 2021. All Rights Reserved. An individual user may print out a PDF of a single chapter of a monograph in CHSO for personal use.date: 27 October 2021

Choice among Employer-Provided Insurance Plans

Choice among Employer-Provided Insurance Plans

(p.249) 8 Choice among Employer-Provided Insurance Plans
Aging Issues in the United States and Japan

Matthew J. Eichner

University of Chicago Press

This chapter describes the choices made by employees of a firm that offers three different insurance options, which differ both in their generosity and their costs to the employee. Section 8.1 describes the claims data used in this analysis. Section 8.2 examines the options elected by employees when their firms shifted from offering what was essentially a single plan to the menu of three plans. Section 8.3 considers the relative prices of the different coverage options. Section 8.4 focuses on the apparent willingness of employees to bear greater risk in return for paying less for insurance. Section 8.5 describes the group of those employees who, after selecting initial coverage options, reconsider their choices and transfer into other plans while Section 8.6 draws conclusions.

Keywords:   health insurance, employees, insurance claims, insurance costs

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