Econ Papers Daily / 期刊论文
社会默认与计划选择：配偶跟随的案例
Social Defaults and Plan Choice: The Case of Spousal Following
摘要
We study how couples in the Medicare Part D program choose an insurance plan. Over 70 percent of enrollees choose the same plan as their spouse. Even among those with differing healthcare needs, well over half do so. Discrete-choice models suggest beneficiaries value being on the same plan as their spouse at hundreds of dollars per year. A regression-discontinuity design shows that quasi-random variation in an older spouse's choice of plan affects their younger spouse's choice. We present a decomposition exercise to assess how much the tendency for couples to choose the same plan contributes to overspending in the program.
中文摘要
我们研究了医疗保险D部分计划中夫妻如何选择保险计划。超过70%的参保者选择与配偶相同的计划。即便在医疗需求不同的夫妻中，也有超过半数这样做。离散选择模型显示，受益人每年愿意为与配偶选择同一计划支付数百美元。断点回归设计表明，年长配偶计划选择的准随机变化会影响年轻配偶的选择。我们进行了分解分析，以评估夫妻倾向于选择相同计划对计划中过度支出的贡献程度。