scholarly journals Lifetime Subsidies in Australian Private Health Insurance Markets with Community Rating

2006 ◽  
Vol 31 (4) ◽  
pp. 705-719 ◽  
Author(s):  
Luke B Connelly ◽  
H Shelton Brown
Keyword(s):  
Health Insurance ◽  
Private Health Insurance ◽  
Insurance Markets ◽  
Community Rating ◽  
Health Insurance 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

scholarly journals Psychiatrist Participation in Private Health Insurance Markets: Paucity in the Land of Plenty

2020 ◽  
Vol 71 (12) ◽  
pp. 1232-1238
Author(s):  
Nicole M. Benson ◽  
Catherine Myong ◽  
Joseph P. Newhouse ◽  
Vicki Fung ◽  
John Hsu
Keyword(s):  
Health Insurance ◽  
Private Health Insurance ◽  
Insurance Markets ◽  
Health Insurance Markets

Economics, Ethics, and Health Insurance

2019 ◽  
pp. 497-520
Author(s):  
Daniel M. Hausman
Keyword(s):  
Health Care ◽  
Health Insurance ◽  
Private Health Insurance ◽  
Drop Out ◽  
Insurance Markets ◽  
Care Provision ◽  
Insurance Policies ◽  
Health Insurance Markets ◽  
Health Care Policies ◽  
Care Allocation

Evaluating health care institutions and policies should depend on understanding the economic complexities of health care provision and on our values of compassion, choice, efficiency, fairness, and solidarity. These values may conflict, so applying them is difficult. We must also understand the problems with health care allocation, including employing markets. Regulations are needed first because of asymmetric information: doctors know more about treatments than patients and can exploit them. Second, health insurance is a better bargain for those who expect to be sick. Consequently, health insurance policies attract purchasers more likely to make claims. This adverse selection makes claims and premiums skyrocket, healthy people drop out, and private health insurance markets collapse, unless everyone is forced to buy insurance or insurers deny insurance to those with pre-existing conditions. Third is moral hazard: if insurance pays for a health problem, there is less incentive to avoid it or to economize on treating it. Health care policies must be economically sound and morally defensible.

Voluntary Private Health Insurance

2011 ◽  
pp. 284-307 ◽  
Author(s):  
Peter Zweifel
Keyword(s):  
Health Insurance ◽  
Private Health Insurance ◽  
Private Insurance ◽  
Health Sector ◽  
Future Research ◽  
Insurance Markets ◽  
Extensive Literature ◽  
Individual Health ◽  
Health Insurance Markets ◽  
Private Individual

The purpose of this article is to examine the working of voluntary private health insurance works. While empirical evidence on the functioning of voluntary private individual health insurance markets is lacking, there is a large and well-developed theoretical literature describing the functioning of private insurance markets in other sectors. This article begins by discussing this extensive literature and the working of such markets if they exist in the health sector. It considers the functioning of the three common forms of voluntary insurance, namely, individual health insurance markets, voluntary private coverage, and voluntary private health insurance that are auxiliary to public systems. Finally, the article proposes that a political economy based explanation for the existence of the theoretically optimal market does not exist and it concludes with areas for future research.

scholarly journals Socio-Economic and Macro-Financial Determinants and Spatial Effects on European Private Health Insurance Markets

2021 ◽  
Vol 23 (56) ◽  
pp. 290 ◽  
Author(s):  
Muresan Gabriela Mihaela ◽  
◽  
Cristian Mihai Dragos ◽  
Mare Codruta ◽  
Simona Laura Dragos ◽  
...  
Keyword(s):  
Health Insurance ◽  
Private Health Insurance ◽  
Insurance Markets ◽  
Spatial Effects ◽  
Health Insurance Markets
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