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Limited Attention and the Demand for Health Insurance

Fels, Markus - 2020

I model how customers with limited attention choose among health plans. The model predicts people to overweight the premium in their decision and thus underappreciate the value of health insurance. This creates incentives for insurance companies to reduce quality and to hide these shortcomings...

Persistent link: https://www.econbiz.de/10012857155

The Performance of Risk Adjustment Models in Colombian Competitive Health Insurance Market

Riascos, Alvaro - 2014

We introduce new risk groups to a standard capitation formula and evaluate risk selection incentives of insurers. The study uses a unique data set of almost 24 million affiliates to Government's mandatory health insurance system. This data set is very rich in the sense of reporting all claims...

Persistent link: https://www.econbiz.de/10013048214

Physician Payment Contracts in the Presence of Moral Hazard and Adverse Selection : The Theory and its Application to Ontario

Kantarevic, Jasmin - 2015

We develop a stylized principal-agent model with moral hazard and adverse selection to provide a unified framework for understanding some of the most salient features of the recent physician payment reform in Ontario and its impact on physician behavior. These features include: (1) physicians...

Persistent link: https://www.econbiz.de/10013016351

Regulation of Insurance with Adverse Selection and Switching Costs : Evidence from Medicare Part D

Polyakova, Maria - 2014

adverse selection, switching costs, and regulation. I first document novel evidence of adverse selection and switching costs …

Persistent link: https://www.econbiz.de/10013040458

The Anti-Competitive Effects of Common Institutional Ownership in Health Insurance Markets

Smith, Kevin - 2022

Recent empirical studies have shown that ownership by large institutional investors of a partial stake in multiple publicly traded firms within an industry, may lead to anti-competitive behavior. This is because the common owner wants to maximize its portfolio’s return and not the return from...

Persistent link: https://www.econbiz.de/10013293066

Introducing risk adjustment and free health plan choice in employer-based health insurance : evidence from Germany

Pilny, Adam; Wübker, Ansgar; Ziebarth, Nicolas R. - 2017

To equalize differences in health plan premiums due to differences in risk pools, the German legislature introduced a simple Risk Adjustment Scheme (RAS) based on age, gender and disability status in 1994. In addition, effective 1996, consumers gained the freedom to choose among hundreds of...

Persistent link: https://www.econbiz.de/10011631504

Medical Savings Accounts : Microsimulation Results from a Model with Adverse Selection

Zabinski, Daniel; Selden, Thomas M.; Moeller, John F.; … - 1998

Using the MEDSIM microsimulation model, developed by researchers at the Agency for Health Care Policy and Research, we explore the possible consequences of making tax-preferred medical savings accounts (MSAs) combined with catastrophic health plans (CHPs) available to the entire...

Persistent link: https://www.econbiz.de/10014073689

Advertising in Health Insurance Markets

Shapiro, Bradley - 2019

The effects of television advertising in the market for health insurance are of distinct interest to both firms and regulators. Regulators are concerned about firms potentially using ads to "cream skim," or attract an advantageous risk pool, as well as the potential for firms to use...

Persistent link: https://www.econbiz.de/10014034968

The Regulation in Private Health Care Market in Brazil : The Effects in Moral Hazard and Adverse Selection

Godoy, Marcia Regina; Neto, Giacomo Balbinotto; Barros, … - 2009

INTRODUCTION: The Brazilian private health insurance sector has operated since 1940’s without regulation. In 1998, the … Brazilian Government stating the regulation of this sector. The reform improved the health insurance coverage level, stating no … individuals have exhibited changes in their behavior on medical services consumption, it is whether the regulation augmented the …

Persistent link: https://www.econbiz.de/10014206685

The Political Economy of a Publicly Provided Private Good with Adverse Selection

Delipalla, Sophia; O'Donnell, Owen - 1999

Given heterogeneity in incomes and health risks, with asymmetric information in the latter, preferences over the public-private mix in health insurance and care are derived. Results concerning crowding-out in the presence of adverse selection are established. For low-risk individuals,...

Persistent link: https://www.econbiz.de/10010443330