Aufgrund von Vorbereitungen auf eine neue Version von KOPS, können am Montag, 6.2. und Dienstag, 7.2. keine Publikationen eingereicht werden. (Due to preparations for a new version of KOPS, no publications can be submitted on Monday, Feb. 6 and Tuesday, Feb. 7.)
Type of Publication: | Working Paper/Technical Report |
URI (citable link): | http://nbn-resolving.de/urn:nbn:de:bsz:352-opus-14306 |
Author: | Kifmann, Mathias; Lorenz, Normann |
Year of publication: | 2005 |
Series: | Diskussionsbeiträge ("Grüne Reihe") / FB Wirtschaftswissenschaften ; 329 |
Summary: |
In the absence of a perfect risk adjustment scheme, reimbursing health insurers' costs can reduce risk selection in community-rated health insurance markets. In this paper, we develop a model in which insurers determine the cost efficiency of health care and have incentives for risk selection. We derive the optimal cost reimbursement function which balances the incentives for cost efficiency and risk selection. For health cost data from a Swiss health insurer, we find that an optimal cost reimbursement scheme should reimburse costs only up to a limit.
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JEL Classification: | I18; H42 |
Subject (DDC): | 330 Economics |
Controlled Keywords (GND): | Krankenversicherung |
Keywords: | health insurance, risk selection, risk adjustment |
Link to License: | In Copyright |
KIFMANN, Mathias, Normann LORENZ, 2005. Optimal cost reimbursement of health insurers to reduce risk selection
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329.pdf | 812 |