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9780844741192

Pooling Health Insurance Risks

by ;
  • ISBN13:

    9780844741192

  • ISBN10:

    0844741191

  • Format: Hardcover
  • Copyright: 1999-09-01
  • Publisher: Natl Book Network

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Supplemental Materials

What is included with this book?

Summary

Uncertainty about risks to health virtually requires that people have health insurance. But how is the cost of premiums determined? Should rates vary according to some indicators of risk? How much do premiums vary with risk? Do the young and the healthy actually subsidize the old and the unhealthy?

Author Biography

Mark Pauly is the Bendheim Professor of Health Care Systems at the Wharton School, University of Pennsylvania. Bradley Herring is a Ph.D. candidate at the Wharton School, University of Pennsylvania.

Table of Contents

Acknowledgments ix
Introduction
1(11)
Purpose
1(2)
Three Different Markets
3(2)
Risk Sharing and Voluntary Markets
5(3)
The Efficiency Conundrum
8(1)
Conclusion
9(3)
Conventional Views of Risk Pooling: What Do We Know and What Should We Expect?
12(16)
What Do We Think We Know about Health Insurance Markets?
12(2)
What Does the Conventional Wisdom Imply?
14(2)
The Magic of Employment-based Group Insurance
16(1)
Imposed Exclusions and Chosen Limitations
16(1)
Access and Cost in Different Markets
17(1)
The Nongroup Market
17(2)
The Small-Group Market
19(1)
Variation in Risk Pooling across Markets
19(7)
Group Insurance: A First Look
26(1)
Conclusion
27(1)
A Comparative Study of the Relationship between Risk and Insurance Premiums
28(26)
The Data
28(1)
What Constitutes Evidence of Risk Rating?
29(1)
What Really Happens?
30(3)
How Much Risk Pooling?
33(19)
Choosing Insurance
52(2)
The Effect of Risk on Insurance Purchasing and Wages
54(17)
Risk and Insurance Purchasing
55(9)
Wage Incidence and Risk in Group Insurance
64(7)
The Effect of the Tax Subsidy on Risk Pooling
71(13)
Toward a Model
74(4)
Who Wins?
78(3)
Efficiency of Employment-based Groups and the Tax Subsidy
81(2)
Conclusion
83(1)
Conclusions and Implications
84(9)
What Isn't Necessarily So
84(2)
What Probably Is So
86(1)
Getting a Grip
87(1)
Toward a Big-Picture Policy
88(4)
Setting Priorities
92(1)
Notes 93(2)
References 95

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