Competition and Solidarity in European Basic and Supplementary Health Insurance Markets: Economic and Legal Analysis

2010 ◽  
pp. 65-77
Author(s):  
Francesco Paolucci
Keyword(s):  
Health Insurance ◽  
Insurance Markets ◽  
Legal Analysis ◽  
Health Insurance Markets ◽  
Supplementary Health Insurance

scholarly journals Supplementary health insurance as a tool for risk-selection in mandatory basic health insurance markets

2007 ◽  
Vol 2 (2) ◽  
pp. 173-192 ◽  
Author(s):  
FRANCESCO PAOLUCCI ◽  
ERIK SCHUT ◽  
KONSTANTIN BECK ◽  
STEFAN GREß ◽  
CARINE VAN DE VOORDE ◽  
...  
Keyword(s):  
Health Care ◽  
Health Insurance ◽  
Insurance Markets ◽  
Risk Selection ◽  
Policy Makers ◽  
Basic Health Insurance ◽  
Health Care Finance ◽  
Basic Health ◽  
Health Insurance Markets ◽  
Supplementary Health Insurance

Abstract:As the share of supplementary health insurance (SI) in health care finance is likely to grow, SI may become an increasingly attractive tool for risk-selection in basic health insurance (BI). In this paper, we develop a conceptual framework to assess the probability that insurers will use SI for favourable risk-selection in BI. We apply our framework to five countries in which risk-selection via SI is feasible: Belgium, Germany, Israel, the Netherlands, and Switzerland. For each country, we review the available evidence of SI being used as selection device. We find that the probability that SI is and will be used for risk-selection substantially varies across countries. Finally, we discuss several strategies for policy makers to reduce the chance that SI will be used for risk-selection in BI markets.

Community Rating And Sustainable Individual Health Insurance Markets In New Jersey

2004 ◽  
Vol 23 (4) ◽  
pp. 167-175 ◽  
Author(s):  
Alan C. Monheit ◽  
Joel C. Cantor ◽  
Margaret Koller ◽  
Kimberley S. Fox
Keyword(s):  
Health Insurance ◽  
New Jersey ◽  
Insurance Markets ◽  
Community Rating ◽  
Individual Health ◽  
Health Insurance Markets

Contending with Risk Selection in Health Insurance Markets in Germany

2006 ◽  
Vol 7 (Supplement) ◽  
pp. 75-91 ◽  
Author(s):  
Jacob Glazer ◽  
Thomas G. McGuire
Keyword(s):  
Health Insurance ◽  
Risk Adjustment ◽  
Simple Approach ◽  
Insurance Markets ◽  
Risk Selection ◽  
Health Plans ◽  
Health Insurance Markets ◽  
The U.S

Abstract In many countries, competition among health plans or sickness funds raises issues of risk selection. Funds may discourage or encourage potential enrollees from joining, and these actions may have efficiency or fairness implications. This article reviews the experience in the U.S., and comments on the evidence for risk selection in Germany. There is little evidence that risk selection causes efficiency problems in Germany, but risk selection does lead to an inequality in contribution rates. A simple approach to equalizing contribution rates that does not involve risk adjustment is presented and discussed.

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