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- W2019921804 abstract "This paper evaluates whether health plans in Germany's Social Health Insurance select on an easily observable predictor of risk: geography. To identify plan behavior separately from concurrent demand-side adverse selection, I implement a double-blind audit study in which plans are contacted by fictitious applicants from different locations. I find that plans are less likely to respond and follow-up with applicants from higher-cost regions, such as West Germany. The results suggest that supply-side selection may emerge even in heavily regulated insurance markets. The prospect of risk selection by firms has implications for studies of demand-side selection and regulatory policy in these settings." @default.
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- W2019921804 date "1984-04-01" @default.
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- W2019921804 title "Is cream-skimming a problem for the competitive medical market?" @default.
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- W2019921804 doi "https://doi.org/10.1016/0167-6296(84)90029-8" @default.
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