美国健康保险的转型：通往全民医保之路

English | July 30th, 2024 | ISBN: 1421449099 | 400 pages | True EPUB | 0.76 MB

Can American health insurance survive?

In The Transformation of American Health Insurance, Troyen A. Brennan traces the historical evolution of public and private health insurance in the United States from the first Blue Cross plans in the late 1930s to reforms under the Biden administration. In analyzing this evolution, he finds long-term trends that form the basis for his central argument: that employer-sponsored insurance is becoming unsustainably expensive, and Medicare for All will emerge as the sole source of health insurance over the next two decades.

After thirty years of leadership in health care and academia, Brennan argues that Medicare for All could act as a single-payer program or become a government-regulated program of competing health plans, like today's Medicare Advantage. The choice between these two options will depend on how private insurers adapt and behave in today's changing health policy environment.

This critical evolution in the system of financing health care is important to employers, health insurance executives, government officials, and health care providers who are grappling with difficult strategic choices. It is equally important to all Americans as they face an inscrutable health insurance system and wonder what the future might hold for them regarding affordable coverage.

美国医疗保险如何能生存？ 在《美国医疗保险的转型》一书中，托里恩·A·布伦南追溯了从20世纪30年代末的第一家蓝十字计划开始，到拜登政府下的改革，美国公共和私营医疗保险的历史演变。通过对这一演变的分析，他发现了一些长期趋势，这些趋势构成了他的核心论点的基础：雇主提供的保险变得越来越不经济，而全民医保将在未来二十年成为唯一的医疗保险来源。 在医疗保健和学术界经历了30年的领导后，布伦南认为，全民医保可以扮演单一支付者的角色，或者变成政府监管下的竞争性健康计划，就像今天的 Medicare 优享。这两种选择的决定将取决于今天正在变化的卫生政策环境中的私营保险公司在行为上的适应情况。 这项对医疗保健融资系统至关重要的演变对于在艰难的战略抉择中挣扎的企业雇主、医疗保险执行官、政府官员和医疗服务提供者来说非常重要。同样重要的是，这对所有美国人而言，他们在面对一个难以理解的医疗保险体系时，会考虑未来他们的覆盖范围是否经济实惠。

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