Reinsurance, Repayments, and Risk Adjustment in Individual Health Insurance

2020 ◽  
Vol 6 (1) ◽  
pp. 139-168 ◽  
Author(s):  
Thomas G. McGuire ◽  
Sonja Schillo ◽  
Richard C. van Kleef
Keyword(s):  
Health Insurance ◽  
Risk Adjustment ◽  
Individual Health

State Approaches to Premium Rate Reforms in the Individual Health Insurance Market

2014 ◽  
Author(s):  
Sabrina Corlette Corlette ◽  
Kevin W. Lucia Lucia ◽  
Justin Giovannelli Giovannelli
Keyword(s):  
Health Insurance ◽  
Insurance Market ◽  
Premium Rate ◽  
Individual Health ◽  
Health Insurance Market ◽  
The Individual

Community Rating And Sustainable Individual Health Insurance Markets In New Jersey

2004 ◽  
Vol 23 (4) ◽  
pp. 167-175 ◽  
Author(s):  
Alan C. Monheit ◽  
Joel C. Cantor ◽  
Margaret Koller ◽  
Kimberley S. Fox
Keyword(s):  
Health Insurance ◽  
New Jersey ◽  
Insurance Markets ◽  
Community Rating ◽  
Individual Health ◽  
Health Insurance Markets

The Role Of The Individual Health Insurance Market And Prospects For Change

2004 ◽  
Vol 23 (6) ◽  
pp. 79-90 ◽  
Author(s):  
Melinda Beeuwkes Buntin ◽  
M. Susan Marquis ◽  
Jill M. Yegian
Keyword(s):  
Health Insurance ◽  
Insurance Market ◽  
Individual Health ◽  
Health Insurance Market ◽  
The Individual

Contending with Risk Selection in Health Insurance Markets in Germany

2006 ◽  
Vol 7 (Supplement) ◽  
pp. 75-91 ◽  
Author(s):  
Jacob Glazer ◽  
Thomas G. McGuire
Keyword(s):  
Health Insurance ◽  
Risk Adjustment ◽  
Simple Approach ◽  
Insurance Markets ◽  
Risk Selection ◽  
Health Plans ◽  
Health Insurance Markets ◽  
The U.S

Abstract In many countries, competition among health plans or sickness funds raises issues of risk selection. Funds may discourage or encourage potential enrollees from joining, and these actions may have efficiency or fairness implications. This article reviews the experience in the U.S., and comments on the evidence for risk selection in Germany. There is little evidence that risk selection causes efficiency problems in Germany, but risk selection does lead to an inequality in contribution rates. A simple approach to equalizing contribution rates that does not involve risk adjustment is presented and discussed.

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