pubmed.ncbi.nlm.nih.gov

A model to decompose the performance of supplementary private health insurance markets - PubMed

A model to decompose the performance of supplementary private health insurance markets

Reiner Leidl. Int J Health Care Finance Econ. 2008 Sep.

Abstract

For an individual insurance firm offering supplementary private health insurance, a model is developed to decompose market performance in terms of insurer profits. For the individual contract, the model specifies the conditions under which adverse selection, cream skimming, and moral hazard occur, shows the impact of information on contracting, and the profit contribution. Contracts are determined by comparing willingness to pay for insurance with the individual's risk position, and information on both sides of the market. Finally, performance is aggregated up to the total market. The model provides a framework to explain the attractiveness of supplementary markets to insurers.

PubMed Disclaimer

Similar articles

References

    1. Am J Med Genet A. 2003 Jul 30;120A(3):359-64 - PubMed
    1. Dev Health Econ Public Policy. 1992;1:23-46 - PubMed
    1. Rand J Econ. 2001 Autumn;32(3):408-27 - PubMed
    1. Am Econ Rev. 2006 Sep 1;96(4):938-958 - PubMed
    1. J Health Econ. 1995 Jun;14(2):149-69 - PubMed

MeSH terms

LinkOut - more resources