The Magnitude and Nature of Risk Selection in Employer-Sponsored Health Plans

Topics:
Insurance
Tags:
Healthcare,
HMO,
National Bureau Of Economic Research
Source:
National Bureau of Economic Research

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Overview: Most existing studies of risk selection in the employer-sponsored health insurance market are case studies of a single employer or of an employer coalition in a single market. The paper examines risk selection in the employer-sponsored market by applying a "switcher" methodology to a national, panel data set of enrollees in employer-sponsored health plans. The paper finds that people who switched from a non-HMO to an HMO plan used 11 percent fewer medical services in the period prior to switching than people who remained in the non- HMO plan, and that this relatively low use persists once they enroll in an HMO.

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Format: PDF | Size: 491KB | Date: Aug 2003 | Pages: 30

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