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  • 2000-2004  (2)
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Year
  • 1
    Electronic Resource
    Electronic Resource
    Tax Credits, the Distribution of Subsidized Health Insurance Premiums, and the Uninsured (2002)
    Berkeley, Calif. : Berkeley Electronic Press (now: De Gruyter)
    Forum for health economics & policy 5 (2002), S. 5 
    Details
    ISSN: 1558-9544
    Source: Berkeley Electronic Press Academic Journals
    Topics: Medicine , Economics
    Notes: This paper investigates the impact of a$1,000 refundable tax credit for self-only coverage on net premiums and insurance purchases for a representative sample of potential buyers in the individual insurance market. Two methods are used to estimate the distribution of premiums: predicted premiums based on a sample of actual purchasers, and premium quotations drawn from an e-insurance website. In most of the simulations, the net premiums for half or more of the prospective buyers are reduced to zero or low levels. The number of uninsured is reduced by 21 to 85 percent, depending on the size of the deductible in the benchmark plan. However, the results are sensitive to assumptions about insurer underwriting practices.
    Type of Medium: Electronic Resource
    URL: http://www.bepress.com/fhep/5/5
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    Paper (German National Licenses)
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  • 2
    Electronic Resource
    Electronic Resource
    Adverse Selection and the Challenges to Stand-Alone Prescription Drug Insurance (2004)
    Berkeley, Calif. : Berkeley Electronic Press (now: De Gruyter)
    Forum for health economics & policy 7 (2004), S. 3 
    Details
    ISSN: 1558-9544
    Source: Berkeley Electronic Press Academic Journals
    Topics: Medicine , Economics
    Notes: This paper investigates a possible predictor of adverse selection problems in unsubsidized stand-alone prescription drug insurance: the persistence of an individual's high spending over multiple years. Using Medstat claims data and data from the Medicare Survey of Current Beneficiaries, we find that persistence is much higher for outpatient drug expenses than for other categories of medical expenses. We then use these estimates to develop a simple and intuitive model of adverse selection in competitive insurance markets and show that this high relative persistence makes it unlikely that unsubsidized drug insurance can be offered for sale, even with premiums partially risk adjusted, without a probable adverse selection death spiral. We show that this outcome can be avoided if drug coverage is bundled with other coverage, and we briefly discuss the need either for comprehensive coverage or generous subsidies if adverse selection is to be avoided in private and Medicare insurance markets.
    Type of Medium: Electronic Resource
    URL: http://www.bepress.com/fhep/7/3
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    Paper (German National Licenses)
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