Official websites use .gov A .gov website belongs to an official government organization in the United States.
Secure .gov websites use HTTPS A lock ( ) or https:// means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.
Beyond age rating: spreading risk in health insurance markets
Beyond age rating: spreading risk in health insurance markets
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)