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The premium risk problem in health insurance
Journal of Contextual Economics – Schmollers Jahrbuch, Vol. 120 (2000), Iss. 4 : pp. 567–586
4 Citations (CrossRef)
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Kifmann, Mathias
Cited By
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Yes, No, Perhaps? Premium Risk and Guaranteed Renewable Insurance Contracts With Heterogeneous Incomplete Private Information
Peter, Richard | Richter, Andreas | Steinorth, PetraJournal of Risk and Insurance, Vol. 83 (2016), Iss. 2 P.363
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Efficient Transfer of Aging Provisions in Private Health Insurance
Meier, Volker
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Risk-Adjustment in Long-Term Health Insurance Contracts in Germany
Eekhoff, Johann | Jankowski, Markus | Zimmermann, AnneThe Geneva Papers on Risk and Insurance - Issues and Practice, Vol. 31 (2006), Iss. 4 P.692
https://doi.org/10.1057/palgrave.gpp.2510097 [Citations: 7] -
Die Finanzierung der Gesetzlichen Krankenversicherung durch Kopfbeiträge aus verfassungsökonomischer Sicht
Kifmann, Mathias
Vierteljahrshefte zur Wirtschaftsforschung, Vol. 71 (2002), Iss. 4 P.505
https://doi.org/10.3790/vjh.71.4.505 [Citations: 0]
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.