The case for risk-based premiums in public health insurance
Publikation: Beiträge in Zeitschriften › Zeitschriftenaufsätze › Forschung › begutachtet
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The case for risk-based premiums in public health insurance. / Zweifel, Peter; Breuer, Michael.
in: Health economics, policy, and law, Jahrgang 1, Nr. Pt 2, 01.04.2006, S. 171-188.Publikation: Beiträge in Zeitschriften › Zeitschriftenaufsätze › Forschung › begutachtet
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TY - JOUR
T1 - The case for risk-based premiums in public health insurance
AU - Zweifel, Peter
AU - Breuer, Michael
PY - 2006/4/1
Y1 - 2006/4/1
N2 - Uniform, risk-independent insurance premiums are accepted as part of 'managed competition' in health care. However, they are not compatible with optimality of health insurance contracts in the presence of both ex ante and ex post moral hazard. They have adverse effects on insurer behaviour even if risk adjustment is taken into account. Risk-based premiums combined with means-tested, tax-financed transfers are advocated as an alternative.
AB - Uniform, risk-independent insurance premiums are accepted as part of 'managed competition' in health care. However, they are not compatible with optimality of health insurance contracts in the presence of both ex ante and ex post moral hazard. They have adverse effects on insurer behaviour even if risk adjustment is taken into account. Risk-based premiums combined with means-tested, tax-financed transfers are advocated as an alternative.
KW - Health sciences
KW - Economic Competition
KW - Insurance Selection Bias
KW - Insurance, Health
KW - Public Sector
KW - Risk Adjustment
KW - Taxes
UR - http://www.scopus.com/inward/record.url?scp=34547922214&partnerID=8YFLogxK
UR - https://www.mendeley.com/catalogue/5072f89a-e22e-3504-a305-f5588c9179d1/
U2 - 10.1017/S1744133105001064
DO - 10.1017/S1744133105001064
M3 - Journal articles
C2 - 18634689
VL - 1
SP - 171
EP - 188
JO - Health Economics, Policy and Law
JF - Health Economics, Policy and Law
SN - 1744-1331
IS - Pt 2
ER -