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The impact of state tax subsidies for private long-term care insurance on coverage and Medicaid expenditures
Goda, Gopi Shah - In: Journal of Public Economics 95 (2011) 7, pp. 744-757
insurance coverage. Medicaid, which provides means-tested public assistance and pays for almost half of long-term care costs … reduce Medicaid's costs for long-term care. The results indicate that the average tax subsidy raises coverage rates by 2 … low probabilities of relying on Medicaid. Simulations suggest each dollar of state tax expenditure produces approximately …
Persistent link: https://www.econbiz.de/10010577639
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Improving risk adjustment in the Czech Republic
Chalupka, Radovan - 2009
This paper analyses possible options how to improve the risk adjustment of the health insurance system in the Czech Republic. Out of possible options it argues for including Pharmaceutical Cost Groups (PCGs) as additional risk factors since it is an improvement that can be implemented almost...
Persistent link: https://www.econbiz.de/10010322206
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Do Optional Deductibles Reduce the Number of Doctor Visits? Empirical Evidence with German Data
Schmitz, Hendrik - 2008
Deductibles in health insurance are often regarded as a means to contain health care costs when individuals exhibit moral hazard. However, in the absence of moral hazard, voluntarily chosen deductibles may instead lead to self-selection into different insurance contracts. We use a set of new...
Persistent link: https://www.econbiz.de/10011600785
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Do Optional Deductibles Reduce the Number of Doctor Visits? – Empirical Evidence with German Data
Schmitz, Hendrik - 2008
Deductibles in health insurance are often regarded as a means to contain health care costs when individuals exhibit moral hazard. However, in the absence of moral hazard, voluntarily chosen deductibles may instead lead to self-selection into different insurance contracts. We use a set of new...
Persistent link: https://www.econbiz.de/10010264745
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Losing Health Insurance When Young: Impacts on Usage of Medical Services and Health
la Mata, Dolores De; Gaviria, Carlos Felipe - 2015
In this study we exploit a regulation in Colombia that exogenously changes health insurance coverage of young adult dependents, specifically those turning 18 years old, to analyze the effects of losing health insurance coverage on their health service usage and health status. We assess this...
Persistent link: https://www.econbiz.de/10014000560
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Inhomogenous risk exposure in dual insurance system: selection effects in Germany’s long-term care plans
Neusius, Thomas - In: SN Business & Economics 1 (2021) 1
Long-term care (LTC) gains attention in ageing societies. Making LTC insurance affordable for the wide public is a primary objective of politics and insurance companies alike. Germany's LTC insurance, introduced 25 years ago, is split in two branches, a private and a public one. The per-capita...
Persistent link: https://www.econbiz.de/10014501563
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Transferable Ageing Provisions in Individual Health Insurance Contracts
Baumann, Florian; Meier, Volker; Werding, Martin - 2006
We consider lifetime health insurance contracts in which ageing provisions are used tosmooth the premium profile. The capital stock accumulated for each individual can bedecomposed into two parts: a premium insurance and an annuitised life insurance, onlythe latter being transferable between...
Persistent link: https://www.econbiz.de/10010312128
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Improving risk adjustment in the Czech Republic
Chalupka, Radovan (contributor) - 2009
This paper analyses possible options how to improve the risk adjustment of the health insurance system in the Czech Republic. Out of possible options it argues for including Pharmaceutical Cost Groups (PCGs) as additional risk factors since it is an improvement that can be implemented almost...
Persistent link: https://www.econbiz.de/10003790295
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Efficient transfer of aging provisions in private health insurance
Meier, Volker - 2003
In long-term private health insurance contracts, aging provisions are used to flatten premium profiles. An individual would like to change insurers if she perceives a low service quality. The first-best optimum is characterized by provision transfers which are higher for high risks and may be...
Persistent link: https://www.econbiz.de/10011514187
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Free Medicines Thanks to Retirement : Moral Hazard and Hospitalization Offsets in an NHS
Puig-Junoy, Jaume - 2011
This paper examines the impact of coinsurance exemption for prescription medicines applied to elderly individuals in Spain after retirement. To evaluate this coinsurance change we use a rich administrative dataset that links pharmaceutical consumption and hospital discharge records for the full...
Persistent link: https://www.econbiz.de/10013121905