Beyond age rating: spreading risk in health insurance markets
- Series Title(s):
- Insight on the issues (AARP Public Policy Institute)
- Contributor(s):
- Nonnemaker, Lynn. AARP (Organization) Public Policy Institute (AARP (Organization))
- Publication:
- Washington, D.C. : AARP Public Policy Institute, c2009
- Language(s):
- English
- Format:
- Text
- Subject(s):
- Health Care Costs Insurance, Health Rate Setting and Review -- methods Risk Adjustment Risk Sharing, Financial Age Factors Health Care Reform Medicare Part D Models, Theoretical Humans United States
- Genre(s):
- Technical Report
- Abstract:
- Age rating health insurance premiums--currently a key issue in the health reform debate--forces older people to pay more regardless of their health status. This paper demonstrates that alternative mechanisms to offset risk--such as risk adjustment and risk sharing can be used to equitably compensate plans, ensure people access to a choice of plans, and encourage insurance plans to manage costs-efficiently.
- Copyright:
- Reproduced with permission of the copyright holder. Further use of the material is subject to CC BY-NC-ND license. (More information)
- Extent:
- 12 leaves
- Illustrations:
- Illustrations
- NLM Unique ID:
- 101520735 (See catalog record)
- Permanent Link:
- http://resource.nlm.nih.gov/101520735