Insurer-Provider Networks in the Medical Care Market

Managed care health insurers in the US restrict their enrollees' choice of hospitals to specific networks. This paper investigates the causes and welfare effects of the observed hospital networks. A simple profit maximization model explains roughly 63 per cent of the observed contracts between美国的管理式医疗健康保险公司会将参保人的医院选择范围限定于特定的医疗网络之中。本文旨在探究已观测到的医院医疗网络的成因及其福利效应。一个简化的利润最大化模型能够解释约63%的已观测到的双方间合同。