Beyond age rating: spreading risk in health insurance markets

Beyond age rating: spreading risk in health insurance markets

Collection:
Health Policy and Services Research
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
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