A health insurance exchange: prototypes and design issues.

Mark Merlis
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Abstract

Many reform proposals call for the creation of one or more health insurance exchanges, intermediaries that can help individuals or small employers navigate the insurance market. An exchange might be public or private, national or local. It might serve simply as a clearinghouse for plan information or could play an active role in setting benefit packages, choosing high-quality plans, and negotiating premium rates. This paper begins with a summary of recent experience with insurance exchanges and similar systems. It then reviews basic issues in the design of an exchange.

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健康保险交易所:原型和设计问题。
许多改革建议呼吁建立一个或多个医疗保险交易所,这些中介机构可以帮助个人或小雇主在保险市场上导航。交换可能是公共的或私人的,全国性的或地方性的。它可以简单地作为计划信息的交换中心,也可以在制定福利方案、选择高质量计划和协商保费方面发挥积极作用。本文首先总结了保险交易所和类似制度的近期经验。然后回顾交易所设计中的基本问题。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
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