Adverse Selection With A Multiple Choice Among Health Insurance Plans

Download Adverse Selection With A Multiple Choice Among Health Insurance Plans full books in PDF, epub, and Kindle. Read online Adverse Selection With A Multiple Choice Among Health Insurance Plans ebook anywhere anytime directly on your device. Fast Download speed and no annoying ads. We cannot guarantee that every ebooks is available!

Adverse Selection with a Multiple Choice Among Health Insurance Plans

Author : M. Susan Marquis
Publisher :
ISBN 13 :
Total Pages : 23 pages
Book Rating : 4.:/5 (797 download)

DOWNLOAD NOW!

Book Synopsis Adverse Selection with a Multiple Choice Among Health Insurance Plans by : M. Susan Marquis

Download or read book Adverse Selection with a Multiple Choice Among Health Insurance Plans written by M. Susan Marquis and published by . This book was released on 1993 with total page 23 pages. Available in PDF, EPUB and Kindle. Book excerpt: This study, reprinted from the Journal of Health Economics, uses simulation methods to quantify the effects of adverse selection. The data used to develop the model provide information about whether families can accurately forecast their risk and whether this forecast affects the purchase of insurance coverage--key conditions for adverse selection to matter. The results suggest that adverse selection is sufficient to eliminate high-option benefit plans in multiple choice markets if insurers charge a single, experience-rated premium. Adverse selection is substantially reduced if premiums are varied according to demographic factors. Adverse selection is also restricted in supplementary insurance markets. In this market, supplementary policies are underpriced because a part of the additional benefits that purchasers can expect is a cost to the base plan and is not reflected in the supplementary premium. As a result, full supplementary coverage is attractive to both low and high risks.

Employment and Health Benefits

Author : Institute of Medicine
Publisher : National Academies Press
ISBN 13 : 0309048273
Total Pages : 381 pages
Book Rating : 4.3/5 (9 download)

DOWNLOAD NOW!

Book Synopsis Employment and Health Benefits by : Institute of Medicine

Download or read book Employment and Health Benefits written by Institute of Medicine and published by National Academies Press. This book was released on 1993-02-01 with total page 381 pages. Available in PDF, EPUB and Kindle. Book excerpt: The United States is unique among economically advanced nations in its reliance on employers to provide health benefits voluntarily for workers and their families. Although it is well known that this system fails to reach millions of these individuals as well as others who have no connection to the work place, the system has other weaknesses. It also has many advantages. Because most proposals for health care reform assume some continued role for employers, this book makes an important contribution by describing the strength and limitations of the current system of employment-based health benefits. It provides the data and analysis needed to understand the historical, social, and economic dynamics that have shaped present-day arrangements and outlines what might be done to overcome some of the access, value, and equity problems associated with current employer, insurer, and government policies and practices. Health insurance terminology is often perplexing, and this volume defines essential concepts clearly and carefully. Using an array of primary sources, it provides a store of information on who is covered for what services at what costs, on how programs vary by employer size and industry, and on what governments doâ€"and do not doâ€"to oversee employment-based health programs. A case study adapted from real organizations' experiences illustrates some of the practical challenges in designing, managing, and revising benefit programs. The sometimes unintended and unwanted consequences of employer practices for workers and health care providers are explored. Understanding the concepts of risk, biased risk selection, and risk segmentation is fundamental to sound health care reform. This volume thoroughly examines these key concepts and how they complicate efforts to achieve efficiency and equity in health coverage and health care. With health care reform at the forefront of public attention, this volume will be important to policymakers and regulators, employee benefit managers and other executives, trade associations, and decisionmakers in the health insurance industry, as well as analysts, researchers, and students of health policy.

Care Without Coverage

Author : Institute of Medicine
Publisher : National Academies Press
ISBN 13 : 0309083435
Total Pages : 213 pages
Book Rating : 4.3/5 (9 download)

DOWNLOAD NOW!

Book Synopsis Care Without Coverage by : Institute of Medicine

Download or read book Care Without Coverage written by Institute of Medicine and published by National Academies Press. This book was released on 2002-06-20 with total page 213 pages. Available in PDF, EPUB and Kindle. Book excerpt: Many Americans believe that people who lack health insurance somehow get the care they really need. Care Without Coverage examines the real consequences for adults who lack health insurance. The study presents findings in the areas of prevention and screening, cancer, chronic illness, hospital-based care, and general health status. The committee looked at the consequences of being uninsured for people suffering from cancer, diabetes, HIV infection and AIDS, heart and kidney disease, mental illness, traumatic injuries, and heart attacks. It focused on the roughly 30 million-one in seven-working-age Americans without health insurance. This group does not include the population over 65 that is covered by Medicare or the nearly 10 million children who are uninsured in this country. The main findings of the report are that working-age Americans without health insurance are more likely to receive too little medical care and receive it too late; be sicker and die sooner; and receive poorer care when they are in the hospital, even for acute situations like a motor vehicle crash.

A Primer on Competitive Strategies for Containing Health Care Costs

Author : United States. General Accounting Office
Publisher :
ISBN 13 :
Total Pages : 64 pages
Book Rating : 4.:/5 ( download)

DOWNLOAD NOW!

Book Synopsis A Primer on Competitive Strategies for Containing Health Care Costs by : United States. General Accounting Office

Download or read book A Primer on Competitive Strategies for Containing Health Care Costs written by United States. General Accounting Office and published by . This book was released on 1982 with total page 64 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Moral Hazard in Health Insurance

Author : Amy Finkelstein
Publisher : Columbia University Press
ISBN 13 : 0231538685
Total Pages : 161 pages
Book Rating : 4.2/5 (315 download)

DOWNLOAD NOW!

Book Synopsis Moral Hazard in Health Insurance by : Amy Finkelstein

Download or read book Moral Hazard in Health Insurance written by Amy Finkelstein and published by Columbia University Press. This book was released on 2014-12-02 with total page 161 pages. Available in PDF, EPUB and Kindle. Book excerpt: Addressing the challenge of covering heath care expenses—while minimizing economic risks. Moral hazard—the tendency to change behavior when the cost of that behavior will be borne by others—is a particularly tricky question when considering health care. Kenneth J. Arrow’s seminal 1963 paper on this topic (included in this volume) was one of the first to explore the implication of moral hazard for health care, and Amy Finkelstein—recognized as one of the world’s foremost experts on the topic—here examines this issue in the context of contemporary American health care policy. Drawing on research from both the original RAND Health Insurance Experiment and her own research, including a 2008 Health Insurance Experiment in Oregon, Finkelstein presents compelling evidence that health insurance does indeed affect medical spending and encourages policy solutions that acknowledge and account for this. The volume also features commentaries and insights from other renowned economists, including an introduction by Joseph P. Newhouse that provides context for the discussion, a commentary from Jonathan Gruber that considers provider-side moral hazard, and reflections from Joseph E. Stiglitz and Kenneth J. Arrow. “Reads like a fireside chat among a group of distinguished, articulate health economists.” —Choice

Equilibrium in Insurance Markets with Asymmetric Information and Adverse Selection

Author : Jonathan A. K. Cave
Publisher : Rand Corporation
ISBN 13 : 9780833005540
Total Pages : 71 pages
Book Rating : 4.0/5 (55 download)

DOWNLOAD NOW!

Book Synopsis Equilibrium in Insurance Markets with Asymmetric Information and Adverse Selection by : Jonathan A. K. Cave

Download or read book Equilibrium in Insurance Markets with Asymmetric Information and Adverse Selection written by Jonathan A. K. Cave and published by Rand Corporation. This book was released on 1984 with total page 71 pages. Available in PDF, EPUB and Kindle. Book excerpt: This report examines possible outcomes of greater competition in insurance markets. The report describes the nature of insurance offerings in equilibrium if firms offer multiple policies; but it replaces the conventional assumption that each policy must earn nonnegative profits with the more realistic requirement that the portfolio of policies offered by the firm earn nonnegative profits in the aggregate. Theorems regarding the existence, optimality, and uniqueness of the subsidy equilibrium are presented, together with a simple characterization of the subsidy equilibrium and a comparison with existing equilibrium notions. Because the subsidy patterns, from low to high, that emerge under this formulation appear to characterize multiple-option insurance plans such as the Federal Employees Health Benefits Plan, this model may be more useful than conventional methods in the analysis of such plans.

Frontiers in Health Policy Research

Author : David M. Cutler
Publisher : MIT Press
ISBN 13 : 9780262532662
Total Pages : 196 pages
Book Rating : 4.5/5 (326 download)

DOWNLOAD NOW!

Book Synopsis Frontiers in Health Policy Research by : David M. Cutler

Download or read book Frontiers in Health Policy Research written by David M. Cutler and published by MIT Press. This book was released on 2004 with total page 196 pages. Available in PDF, EPUB and Kindle. Book excerpt: Leading economists discuss current health policy challenges, including prescription drugs benefits as a component of Medicare and conversion to for-profit health plans.

How Adverse Selection Affects the Health Insurance Market

Author : Paolo Belli
Publisher : World Bank Publications
ISBN 13 :
Total Pages : 38 pages
Book Rating : 4./5 ( download)

DOWNLOAD NOW!

Book Synopsis How Adverse Selection Affects the Health Insurance Market by : Paolo Belli

Download or read book How Adverse Selection Affects the Health Insurance Market written by Paolo Belli and published by World Bank Publications. This book was released on 2001 with total page 38 pages. Available in PDF, EPUB and Kindle. Book excerpt: There may be a price to pay (in terms of inefficient coverage) if competition among health insurers is encouraged as a way to give patients greater choice and to achieve better control over insurance providers.

Coverage Matters

Author : Institute of Medicine
Publisher : National Academies Press
ISBN 13 : 0309076099
Total Pages : 204 pages
Book Rating : 4.3/5 (9 download)

DOWNLOAD NOW!

Book Synopsis Coverage Matters by : Institute of Medicine

Download or read book Coverage Matters written by Institute of Medicine and published by National Academies Press. This book was released on 2001-10-27 with total page 204 pages. Available in PDF, EPUB and Kindle. Book excerpt: Roughly 40 million Americans have no health insurance, private or public, and the number has grown steadily over the past 25 years. Who are these children, women, and men, and why do they lack coverage for essential health care services? How does the system of insurance coverage in the U.S. operate, and where does it fail? The first of six Institute of Medicine reports that will examine in detail the consequences of having a large uninsured population, Coverage Matters: Insurance and Health Care, explores the myths and realities of who is uninsured, identifies social, economic, and policy factors that contribute to the situation, and describes the likelihood faced by members of various population groups of being uninsured. It serves as a guide to a broad range of issues related to the lack of insurance coverage in America and provides background data of use to policy makers and health services researchers.

Health-Care Utilization as a Proxy in Disability Determination

Author : National Academies of Sciences, Engineering, and Medicine
Publisher : National Academies Press
ISBN 13 : 030946921X
Total Pages : 161 pages
Book Rating : 4.3/5 (94 download)

DOWNLOAD NOW!

Book Synopsis Health-Care Utilization as a Proxy in Disability Determination by : National Academies of Sciences, Engineering, and Medicine

Download or read book Health-Care Utilization as a Proxy in Disability Determination written by National Academies of Sciences, Engineering, and Medicine and published by National Academies Press. This book was released on 2018-04-02 with total page 161 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Social Security Administration (SSA) administers two programs that provide benefits based on disability: the Social Security Disability Insurance (SSDI) program and the Supplemental Security Income (SSI) program. This report analyzes health care utilizations as they relate to impairment severity and SSA's definition of disability. Health Care Utilization as a Proxy in Disability Determination identifies types of utilizations that might be good proxies for "listing-level" severity; that is, what represents an impairment, or combination of impairments, that are severe enough to prevent a person from doing any gainful activity, regardless of age, education, or work experience.

Encyclopedia of Gerontology and Population Aging

Author : Danan Gu
Publisher : Springer
ISBN 13 : 9783030220082
Total Pages : 5507 pages
Book Rating : 4.2/5 (2 download)

DOWNLOAD NOW!

Book Synopsis Encyclopedia of Gerontology and Population Aging by : Danan Gu

Download or read book Encyclopedia of Gerontology and Population Aging written by Danan Gu and published by Springer. This book was released on 2021-11-03 with total page 5507 pages. Available in PDF, EPUB and Kindle. Book excerpt: This eight-volume encyclopedia brings together a comprehensive collection of work highlighting established research and emerging science in all relevant disciplines in gerontology and population aging. It covers the breadth of the field, gives readers access to all major sub-fields, and illustrates their interconnectedness with other disciplines. With more than 1300 cross-disciplinary contributors—including anthropologists, biologists, economists, psychiatrists, public policy experts, sociologists, and others—the encyclopedia delves deep into key areas of gerontology and population aging such as ageism, biodemography, disablement, longevity, long-term care, and much more. Paying careful attention to empirical research and literature from around the globe, the encyclopedia is of interest to a wide audience that includes researchers, teachers and students, policy makers, (non)governmental agencies, public health practitioners, business planners, and many other individuals and organizations.

Loss Coverage

Author : Guy Thomas
Publisher : Cambridge University Press
ISBN 13 : 110710033X
Total Pages : 285 pages
Book Rating : 4.1/5 (71 download)

DOWNLOAD NOW!

Book Synopsis Loss Coverage by : Guy Thomas

Download or read book Loss Coverage written by Guy Thomas and published by Cambridge University Press. This book was released on 2017-05-11 with total page 285 pages. Available in PDF, EPUB and Kindle. Book excerpt: A novel book that argues that, contrary to received wisdom, some adverse selection in insurance markets is beneficial to society as a whole. It is for all those interested in public policy arguments about insurance and discrimination: policymakers, academics, actuaries, underwriters, disability activists, geneticists and other medical professionals.

Social Health Insurance for Developing Nations

Author : R. Paul Shaw
Publisher : World Bank Publications
ISBN 13 : 0821369504
Total Pages : 188 pages
Book Rating : 4.8/5 (213 download)

DOWNLOAD NOW!

Book Synopsis Social Health Insurance for Developing Nations by : R. Paul Shaw

Download or read book Social Health Insurance for Developing Nations written by R. Paul Shaw and published by World Bank Publications. This book was released on 2007-01-01 with total page 188 pages. Available in PDF, EPUB and Kindle. Book excerpt: Specialist groups have often advised health ministers and other decision makers in developing countries on the use of social health insurance (SHI) as a way of mobilizing revenue for health, reforming health sector performance, and providing universal coverage. This book reviews the specific design and implementation challenges facing SHI in low- and middle-income countries and presents case studies on Ghana, Kenya, Philippines, Colombia, and Thailand.

The Theory of Demand for Health Insurance

Author : John A. Nyman
Publisher : Stanford University Press
ISBN 13 : 9780804744881
Total Pages : 228 pages
Book Rating : 4.7/5 (448 download)

DOWNLOAD NOW!

Book Synopsis The Theory of Demand for Health Insurance by : John A. Nyman

Download or read book The Theory of Demand for Health Insurance written by John A. Nyman and published by Stanford University Press. This book was released on 2003 with total page 228 pages. Available in PDF, EPUB and Kindle. Book excerpt: Why do people buy health insurance? Conventional theory holds that people purchase insurance because they prefer the certainty of paying a small premium to the risk of getting sick and paying a large medical bill. This book presents a new theory of consumer demand for health insurance. It holds that people purchase insurance to obtain additional "income" when they become ill.

Handbook of Health Economics

Author : A J. Culyer
Publisher : Elsevier
ISBN 13 : 0080544177
Total Pages : 1000 pages
Book Rating : 4.0/5 (85 download)

DOWNLOAD NOW!

Book Synopsis Handbook of Health Economics by : A J. Culyer

Download or read book Handbook of Health Economics written by A J. Culyer and published by Elsevier. This book was released on 2000-07-19 with total page 1000 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Handbook of Health Economics provide an up-to-date survey of the burgeoning literature in health economics. As a relatively recent subdiscipline of economics, health economics has been remarkably successful. It has made or stimulated numerous contributions to various areas of the main discipline: the theory of human capital; the economics of insurance; principal-agent theory; asymmetric information; econometrics; the theory of incomplete markets; and the foundations of welfare economics, among others. Perhaps it has had an even greater effect outside the field of economics, introducing terms such as opportunity cost, elasticity, the margin, and the production function into medical parlance. Indeed, health economists are likely to be as heavily cited in the clinical as in the economics literature. Partly because of the large share of public resources that health care commands in almost every developed country, health policy is often a contentious and visible issue; elections have sometimes turned on issues of health policy. Showing the versatility of economic theory, health economics and health economists have usually been part of policy debates, despite the vast differences in medical care institutions across countries. The publication of the first Handbook of Health Economics marks another step in the evolution of health economics.

Impact of Health Insurance in Low- and Middle-income Countries

Author : Maria-Luisa Escobar
Publisher : Brookings Institution Press
ISBN 13 : 0815705468
Total Pages : 239 pages
Book Rating : 4.8/5 (157 download)

DOWNLOAD NOW!

Book Synopsis Impact of Health Insurance in Low- and Middle-income Countries by : Maria-Luisa Escobar

Download or read book Impact of Health Insurance in Low- and Middle-income Countries written by Maria-Luisa Escobar and published by Brookings Institution Press. This book was released on 2010 with total page 239 pages. Available in PDF, EPUB and Kindle. Book excerpt: Over the past twenty years, many low- and middle-income countries have experimented with health insurance options. While their plans have varied widely in scale and ambition, their goals are the same: to make health services more affordable through the use of public subsidies while also moving care providers partially or fully into competitive markets. Until now, however, we have known little about the actual effects of these dramatic policy changes. Understanding the impact of health insurance-based care is key to the public policy debate of whether to extend insurance to low-income populationsand if so, how to do itor to serve them through other means.

Health Care Reform: Issues relating to medical malpractice, May 20, 1993

Author : United States. Congress. House. Committee on Ways and Means. Subcommittee on Health
Publisher :
ISBN 13 :
Total Pages : 610 pages
Book Rating : 4.0/5 ( download)

DOWNLOAD NOW!

Book Synopsis Health Care Reform: Issues relating to medical malpractice, May 20, 1993 by : United States. Congress. House. Committee on Ways and Means. Subcommittee on Health

Download or read book Health Care Reform: Issues relating to medical malpractice, May 20, 1993 written by United States. Congress. House. Committee on Ways and Means. Subcommittee on Health and published by . This book was released on 1994 with total page 610 pages. Available in PDF, EPUB and Kindle. Book excerpt: