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来源类型 | Working Paper |
规范类型 | 报告 |
DOI | 10.3386/w25374 |
来源ID | Working Paper 25374 |
Reinsurance, Repayments, and Risk Adjustment in Individual Health Insurance: Germany, The Netherlands and the U.S. Marketplaces | |
Thomas G. McGuire; Sonja Schillo; Richard C. van Kleef | |
发表日期 | 2018-12-24 |
出版年 | 2018 |
语种 | 英语 |
摘要 | Reinsurance can complement risk adjustment of health plan payments to improve fit of payments to plan spending at the individual and group level. This paper proposes three improvements in health plan payment systems using reinsurance. First, we base reinsurance payments on spending not accounted for by the risk adjustment system, rather than just high spending. Second, we propose pairing reinsurance for individual-level losses with repayments for individual-level profits. Third, we optimize the weights on the risk adjustors taking account of the presence of reinsurance/repayment. We implement our methodology in data from Germany, The Netherlands and the U.S. Marketplaces, comparing our modified approach to plan payment with risk adjustment as currently practiced in the three settings. The combination of the three improvements yields very substantial improvements in the individual-level fit of payments to plan spending in all three countries. |
主题 | Health, Education, and Welfare ; Health |
URL | https://www.nber.org/papers/w25374 |
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/583048 |
推荐引用方式 GB/T 7714 | Thomas G. McGuire,Sonja Schillo,Richard C. van Kleef. Reinsurance, Repayments, and Risk Adjustment in Individual Health Insurance: Germany, The Netherlands and the U.S. Marketplaces. 2018. |
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 | ||
w25374.pdf(608KB) | 智库出版物 | 限制开放 | CC BY-NC-SA | 浏览 |
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