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- W85847352 abstract "This paper examines the problem of adverse selection in the health care insurance market.Unlike most of the recent papers, this paper considers behavioral economic factors thatinfluence the problem of adverse selection in both a negative and positive way. I research themany testing of the existence of adverse selection in the health care insurance market andexamine the negative consequences which adverse selection might have in this market. Wedistinguish between two types of individuals; low-risk and high-risk individuals. Low-riskindividuals are those who are relatively healthy and/or have a low probability of incurring anyhealth problems in the future and high-risk individuals are those who are relatively unhealthyand/or have a high probability of incurring any health problems in the future. The paper findsenough evidence to prove the existence of adverse selection in health care insurance markets.Before proposing several solutions for the problem, I first look at how countries are currentlydealing with the problem and if their system is effective. Then I determine different deviationsthat individuals have from the rational expectations, primarily advantageous selection anddetermine whether these deviations reduce the problem of adverse selection. We conclude thatboth adverse selection and advantageous selection is present in the health care market. Thereare many tools to avoid the problem of adverse selection, such as insuring all individuals andmaking a risk-equalization fund. Adverse selection poses as a problem in a situation wherecountries do not take actions to avoid it, such as the above mentioned tools. If countries do nottake these actions, high-risk individuals will make health care insurance companies lessprofitable and might even make them encounter losses." @default.
- W85847352 created "2016-06-24" @default.
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- W85847352 date "2012-07-09" @default.
- W85847352 modified "2023-09-27" @default.
- W85847352 title "Dealing with Adverse Selection In Health Care Insurance" @default.
- W85847352 hasPublicationYear "2012" @default.
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