Increasing health insurance coverage for high-cost older adults

Increasing health insurance coverage for high-cost older adults

Collection:
Health Policy and Services Research
Series Title(s):
Research report (AARP Public Policy Institute)
Contributor(s):
Blumberg, Linda J.
Waidmann, Timothy A.
AARP (Organization)
Public Policy Institute (AARP (Organization))
Publication:
Washington, D.C. : AARP Public Policy Institute, c2009
Language(s):
English
Format:
Text
Subject(s):
Insurance Coverage
Insurance, Health
United States
Genre(s):
Technical Report
Abstract:
Because a small fraction of individuals account for a large share of total health expenditures, insurers gain more by excluding high-cost people from coverage than by efficiently managing the care of enrollees. The incentives for insurers to avoid high-cost and high-risk enrollees affect not only the likelihood of health insurance coverage for the high-risk population, but also the cost and accessibility of coverage overall in the smallgroup and nongroup private health insurance markets. This paper identifies public policies that might address these problems in private health insurance markets more effectively and delineates the advantages and disadvantages of each.
Copyright:
Reproduced with permission of the copyright holder. Further use of the material is subject to CC BY-NC-ND license. (More information)
Extent:
vii, 20 p.
NLM Unique ID:
101516637 (See catalog record)
Permanent Link:
http://resource.nlm.nih.gov/101516637