Strategic Tier Design in Health Insurance: The Case of Medicare Part D

Working Paper: CEPR ID: DP17937

Authors: Lea Bignon; Alessandro Iaria; Laura Lasio

Abstract: We study the role of tier design in Medicare Part D. In the period 2013-2017, plans expanded the number of tiers in their formularies from three/four to five and systematically shifted generics to higher tiers subject to higher cost sharing. The systematic tier upgrading caused significant increases in the out-of-pocket costs, up to six times for some generics. This resulted in additional average per-enrollee spending on generics of $76 in 2017, totalling $1.5 billion for the Part D population, and increased mortality by 5.4% due to reduced utilization of generics with documented mortality benefits.

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Causal Claims Network Graph

Edges that are evidenced by causal inference methods are in orange, and the rest are in light blue.


Causal Claims

CauseEffect
increase in out-of-pocket costs (G52)additional average spending of $76 per enrollee in 2017 (H51)
increase in out-of-pocket costs (G52)totaling $15 billion for the Medicare Part D population (H51)
54% increase in mortality (I12)reduced utilization of generics with documented mortality benefits (I18)
systematic tier upgrading of generics (C69)increase in out-of-pocket costs (G52)
systematic tier upgrading of generics (C69)54% increase in mortality (I12)

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