Lorenz, Normann - Fach Volkswirtschaftslehre, Universität Trier - 2014
This paper analyzes the interaction of direct and indirect risk selection in health insurance markets. It is shown that … direct risk selection – using measures unrelated to the benefit package like selective advertising or ‘losing’ applications … risk selection. Direct risk selection (DRS) may either increase or decrease these distortions, depending on the type of …