| 来源类型 | Working Paper |
| 规范类型 | 报告 |
| DOI | 10.3386/w23468 |
| 来源ID | Working Paper 23468 |
| Exit, Voice or Loyalty? An Investigation into Mandated Portability of Front-Loaded Private Health Plans | |
| Juan Pablo Atal; Hanming Fang; Martin Karlsson; Nicolas R. Ziebarth | |
| 发表日期 | 2017-06-05 |
| 出版年 | 2017 |
| 语种 | 英语 |
| 摘要 | We study theoretically and empirically how consumers in an individual private long-term health insurance market with front-loaded contracts respond to newly mandated portability requirements of their old-age provisions. To foster competition, effective 2009, German legislature made the portability of standardized old-age provisions mandatory. Our theoretical model predicts that the portability reform will increase internal plan switching. However, under plausible assumptions, it will not increase external insurer switching. Moreover, the portability reform will enable unhealthier enrollees to reoptimize their plans. We find confirmatory evidence for the theoretical predictions using claims panel data from a big private insurer. |
| 主题 | Financial Economics ; Financial Institutions ; Health, Education, and Welfare ; Health |
| URL | https://www.nber.org/papers/w23468 |
| 来源智库 | National Bureau of Economic Research (United States) |
| 引用统计 | |
| 资源类型 | 智库出版物 |
| 条目标识符 | http://119.78.100.153/handle/2XGU8XDN/581142 |
| 推荐引用方式 GB/T 7714 | Juan Pablo Atal,Hanming Fang,Martin Karlsson,et al. Exit, Voice or Loyalty? An Investigation into Mandated Portability of Front-Loaded Private Health Plans. 2017. |
| 条目包含的文件 | ||||||
| 文件名称/大小 | 资源类型 | 版本类型 | 开放类型 | 使用许可 | ||
| w23468.pdf（1632KB） | 智库出版物 | 限制开放 | CC BY-NC-SA | 浏览 | ||
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