Insuring Premium Risk in Competitive Health Insurance Markets (Beiträge zur Finanzwissenschaft, Band 15) - Hardcover
Inhaltsangabe
How can it be avoided that consumers face premium risk, i.e. increases in their premiums when their health status deteriorates? Mathias Kifmann examines how this problem which is a major challenge for private health insurance markets can be solved. Three principal ways to insure premium risk which preserve competition among health insurers are analyzed and compared. Guaranteed renewable contracts ensure premiums independent of changes in the health status by requiring a life-time commitment to an insurer. Premium insurance compensates an increase in premiums if the health status changes. Under community rating, the government rules out risk-based premiums by requiring that insurers set a uniform premium for all insured. Mathias Kifmann pays particular attention to the challenges posed by managed care. He argues that managed care can aggravate the lock-in problem under guaranteed renewable contracts. He demonstrates that an alternative contract is superior to guaranteed renewable contracts. This contract creates incentives for insurers to behave in the interest of consumers by specifying payments upon switching to another insurer. If insurers are community-rated, an important question is whether they should be allowed to offer managed care besides traditional health insurance. The author shows that managed care can be used as a pure risk-selection device under community rating. However, the introduction of managed care can also be to the benefit of everyone. To obtain such welfare gains, it may be necessary to tax some insurance plans and to subsidize others.
Die Inhaltsangabe kann sich auf eine andere Ausgabe dieses Titels beziehen.
Über die Autorin bzw. den Autor
Born 1970; 1991-96 studies of economics at Ludwig-Maximilian's University in Munich and at the London School of Economics; since 1996 assistant at the University of Constance; 2001 PhD at the University of Constance.
„Über diesen Titel“ kann sich auf eine andere Ausgabe dieses Titels beziehen.
Suchergebnisse für Insuring Premium Risk in Competitive Health Insurance...
Foto des Verkäufers
Insuring Premium Risk in Competitive Health Insurance Markets. Beiträge zur Finanzwissenschaft, Band 15.
Anbieter: books4less (Versandantiquariat Petra Gros GmbH & Co. KG), Welling, Deutschland
Verkäuferbewertung 5 von 5 Sternen
gebundene Ausgabe. Zustand: Gut. 155 Seiten Der Erhaltungszustand des hier angebotenen Werks ist trotz seiner Bibliotheksnutzung sehr sauber und kann entsprechende Merkmale aufweisen (Rückenschild, Instituts-Stempel.). In ENGLISCHER Sprache. Sprache: Englisch Gewicht in Gramm: 370. Bestandsnummer des Verkäufers 2282612
Gebraucht kaufen
EUR 23,95
EUR 9,95 Versand
Versand von Deutschland nach USA
Versand von Deutschland nach USA
Anzahl: 1 verfügbar
Beispielbild für diese ISBN
Insuring Premium Risk in Competitive Health Insurance Markets
Anbieter: SKULIMA Wiss. Versandbuchhandlung, Westhofen, Deutschland
Verkäuferbewertung 5 von 5 Sternen
Zustand: Wie Neu. Zustandsbeschreibung: leichte Lagerspuren/minor shelfwear. How can it be avoided that consumers face premium risk, i.e. increases in their premiums when their health status deteriorates? This problem is a major challenge for private health insurance markets. Kifmann analyzes how premium risk can be insured in competitive health insurance markets. He pays particular attention to the challenges posed by managed care and shows possible strategies for reform. Three principal ways to insure premium risk which preserve competition among health insurers are analyzed and compared. Guaranteed renewable contracts ensure premiums independent of changes in the health status by requiring a life-time commitment to an insurer. Premium insurance compensates an increase in premiums if the health status changes. Under community rating, the government rules out risk-based premiums by requiring that insurers set a uniform premium for all insured. Mathias Kifmann pays particular attention to the challenges posed by managed care. He argues that managed care can aggravate the lock-in problem under guaranteed renewable contracts. He demonstrates that an alternative contract is superior to guaranteed renewable contracts. This contract creates incentives for insurers to behave in the interest of consumers by specifying payments upon switching to another insurer. If insurers are community-rated, an important question is whether they should be allowed to offer managed care besides traditional health insurance. The author shows that managed care can be used as a pure risk-selection device under community rating. However, the introduction of managed care can also be to the benefit of everyone. To obtain such welfare gains, it may be necessary to tax some insurance plans and to subsidize others. XI,155 Seiten mit 9 Abb. und 10 Tab., Leinen (Beiträge zur Finanzwissenschaft; Band 15/Mohr Siebeck 2002). Früher EUR 94,00. Gewicht: 393 g - Gebunden/Gebundene Ausgabe. Bestandsnummer des Verkäufers 14505
Gebraucht kaufen
EUR 24,00
EUR 40,00 Versand
Versand von Deutschland nach USA
Versand von Deutschland nach USA
Anzahl: 9 verfügbar