1. The first health plan is a comprehensive health plan with $400/$800 (individual/family) deductibles, $3,000/$4,000 (individual/family) out-of-pocket limits and a 25% coinsurance rate. The second health plan is a high-deductible health plan with a $2,000/$4,000 (individual/family) deductible, a $5,000/$10,000 out-of-pocket limit and a 25% coinsurance rate. The third health plan is a high-deductible health plan differing in only one respect to the second plan. The third plan has a lower $7,500 out-of-pocket limit for family plans. The fourth health plan is a zero-deductible health plan with a 50% coinsurance rate;MEPS, households with family income less than 200% FPL,1999
2. The Concentration Of Health Care Expenditures, Revisited
3. Intergenerational Transfers and Insurance Policy Design;D Bernstein;North American Actuarial Journal,2008
4. Government as Reinsurer: Potential Impacts on Public and Private Spending;L J Blumberg;Inquiry,2004
5. Most households' medical expenses exceed health savings account deductibles;L Blumberg;Tax Notes,2004