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来源类型Working Paper
规范类型报告
DOI10.3386/w22876
来源IDWorking Paper 22876
Insurers' Response to Selection Risk: Evidence from Medicare Enrollment Reforms
Francesco Decarolis; Andrea Guglielmo
发表日期2016-12-05
出版年2016
语种英语
摘要Evidence on insurers’ behavior in environments with both risk selection and market power is largely missing. We fill this gap by providing one of the first empirical accounts of how insurers adjust plan features when faced with potential changes in selection. Our strategy exploits a 2012 reform allowing Medicare enrollees to switch to 5-star contracts at anytime. This policy increased enrollment into 5-star contracts, but without risk selection worsening. Our findings show that this is due to 5-star plans lowering both premiums and generosity, thus becoming more appealing for most beneficiaries, but less so for those in worse health conditions.
主题Health, Education, and Welfare ; Health ; Industrial Organization ; Firm Behavior
URLhttps://www.nber.org/papers/w22876
来源智库National Bureau of Economic Research (United States)
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条目标识符http://119.78.100.153/handle/2XGU8XDN/580550
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GB/T 7714
Francesco Decarolis,Andrea Guglielmo. Insurers' Response to Selection Risk: Evidence from Medicare Enrollment Reforms. 2016.
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