| 来源类型 | Discussion paper |
| 规范类型 | 论文 |
| 来源ID | DP10943 |
| DP10943 Community rating in health insurance: trade-off between coverage and selection | |
| jan boone; Gijsbert Zwart | |
| 发表日期 | 2015-11-22 |
| 出版年 | 2015 |
| 语种 | 英语 |
| 摘要 | We analyze the role of community rating in the optimal design of a risk adjustment scheme in competitive health insurance markets when insurers have better information on their customers' risk profiles than the sponsor of health insurance. The sponsor offers insurers a menu of risk adjustment schemes to elicit this information. The optimal scheme includes a voluntary reinsurance option. Additionally, the scheme should sometimes be complemented by a community rating requirement. The resulting inefficient coverage of low-cost types lowers the sponsor's cost of separating different insurer types. This allows the sponsor to redistribute more rents from low-cost to high-cost consumers. |
| 主题 | Industrial Organization ; Public Economics |
| 关键词 | Cherry picking Health insurance Mechanism design Risk adjustment |
| URL | https://cepr.org/publications/dp10943 |
| 来源智库 | Centre for Economic Policy Research (United Kingdom) |
| 资源类型 | 智库出版物 |
| 条目标识符 | http://119.78.100.153/handle/2XGU8XDN/539773 |
| 推荐引用方式 GB/T 7714 | jan boone,Gijsbert Zwart. DP10943 Community rating in health insurance: trade-off between coverage and selection. 2015. |
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