We describe the risks faced by the aging population and survey the corresponding insurance markets for these risks. We focus on income risk, health expenditure risk, long-term care expenditure risk, and mortality risk. We also discuss the interactions between social insurance and private...

To limit price variations across consumers, the ACA requires that an insurance plan sold on the Health Insurance Marketplaces be uniformly priced across multiple counties within a geographic rating area. However, insurers’ service areas are not regulated by the ACA which could result in...

Half of U.S. 50-year-olds will experience a nursing home (NH) stay before they die, and a sizeable fraction will incur out-of-pocket expenses in excess of $200,000. Given the extent of NH risk, it is surprising that only about 10 percent of individuals over age 62 have private long-term care...

Der Autor analysiert die vorhandenen systemimmanenten Widersprüche innerhalb des deutschen Krankenversicherungssystems und entwickelt hieran anschließend einen Reformvorschlag für den gültigen Regelungsrahmen in zehn Thesen. Eine Analyse der niederländischen sowie schweizerischen Reformen...

Der Autor analysiert die vorhandenen systemimmanenten Widersprüche innerhalb des deutschen Krankenversicherungssystems und entwickelt hieran anschließend einen Reformvorschlag für den gültigen Regelungsrahmen in zehn Thesen. Eine Analyse der niederländischen sowie schweizerischen Reformen...