Prohibitions on Health Insurance Underwriting: A Means of Making Health Insurance Available or a Cause of Market Failure?

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University Of Wisconsin,
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Human Resources,
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University of Wisconsin

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Overview: Underwriting restrictions are passed to discourage insurers from discriminating in a way that is contrary to social policy. In addition to prohibiting socially unacceptable discrimination, underwriting restrictions also have the potential of changing the consumption of insurance. This paper examines underwriting regulations that prohibit insurers from using disability status, gender and age to classify and price risks; the authors' interest is in how these regulations impact the consumption of health insurance.

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Format: PDF | Size: 239KB | Date: Jan 2004 | Pages: 23

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