Health Insurance Contract Analysis (2019: Corporate, CA, MI)

&lt;still under construction: data being checked&gt;<br><br>These data include PDF files of 1496 health insurance contracts from the year 2019 in the United States. They come from 40 corporations [self-insured plans using third party administrators (TPAs)] and health insurance contracts from the individual, small group, and large group markets sold in the states of CA and MI.<br><br>We drew these contracts from AXIACI from Leverage Global Consulting, a proprietary database that contains insurance plan offerings and coverage from private and public insurance market segments. Our use of the proprietary database for the purposes of public policy research and analysis in health insurance is governed by a data use agreement between Leverage and Professor Anna Kirkland. There are also health insurance contracts from the individual, small group, and large group markets sold in the states of CA and MI in 2019.<br><br>We use the term “contract” to mean the Summary Plan Documents (SPD), which is the roughly 100-200 page document that an individual gets from their health insurance company describing coverage and exclusions. These are the documents contained here. Other documents include the Member Handbook, Certificate of Coverage, Summary of Benefits and Coverage, Subscribers Contract, medical policies, and drug formulary, all of which are distinct and differently regulated documents.

本数据集仍处于构建阶段，数据正在审核中。

本数据集包含2019年美国1496份健康保险合同的PDF文件，来源涵盖40家采用第三方管理机构（Third Party Administrators，TPAs）的自保计划企业，以及在加利福尼亚州（CA）、密歇根州（MI）发售的个人市场、小型团体市场与大型团体市场健康保险合同。

本次研究的合同样本取自杠杆全球咨询（Leverage Global Consulting）旗下的专有数据库AXIACI，该数据库收录了私人与公共保险市场板块的保险产品供给与保障范围信息。我们使用该专有数据库开展健康保险领域的公共政策研究与分析，需遵守杠杆全球咨询与安娜·柯克兰教授签署的数据使用协议。本数据集同时收录2019年在加利福尼亚州（CA）、密歇根州（MI）发售的个人市场、小型团体市场与大型团体市场健康保险合同。

本研究中所称的“合同”特指计划摘要文档（Summary Plan Documents，SPD），即投保人从健康保险公司获取的、篇幅约100至200页、用于说明保险保障范围与免责条款的文件，也是本数据集收录的核心文档。此外，本数据集还包含会员手册、保障凭证、福利与保障摘要、投保人合同、医疗政策文件以及药品处方集等其他类型文档，上述文件均为性质独立且监管规则各不相同的文档。