Year: 2000
Author: Kifmann, Mathias
Journal of Contextual Economics – Schmollers Jahrbuch, Vol. 120 (2000), Iss. 4 : pp. 567–586
Abstract
Individuals face premium risk if their future health status is uncertain. This paper examines premium insurance, guaranteed renewable contracts and community rating as ways of dealing with premium risk. Particular emphasis is laid on the possibility to switch health insurers at no cost. Which of the three approaches works best depends on the possibilities to write contracts contingent on health status, the effectiveness of measures against cream-skimming under community rating and society's preference for redistribution in favor of high risks.
Journal Article Details
Publisher Name: Global Science Press
Language: Multiple languages
DOI: https://doi.org/10.3790/schm.120.4.567
Journal of Contextual Economics – Schmollers Jahrbuch, Vol. 120 (2000), Iss. 4 : pp. 567–586
Published online: 2000-04
AMS Subject Headings: Duncker & Humblot
Copyright: COPYRIGHT: © Global Science Press
Pages: 20
Author Details
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