Atal, Juan Pablo; Fang, Hanming; Karlsson, Martin; … - 2021
To insure policyholders against contemporaneous health expenditure shocks and future reclassification risk, long …-term health insurance constitutes an alternative to community-rated short-term contracts with an individual mandate. In this paper …, we study the German long-term health insurance (GLTHI) from a life-cycle perspective. The GLTHI is one of the few real …