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The premium risk problem in health insurance

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Kifmann, M. The premium risk problem in health insurance. Journal of Contextual Economics – Schmollers Jahrbuch, 120(4), 567-586. https://doi.org/10.3790/schm.120.4.567
Kifmann, Mathias "The premium risk problem in health insurance" Journal of Contextual Economics – Schmollers Jahrbuch 120.4, 2000, 567-586. https://doi.org/10.3790/schm.120.4.567
Kifmann, Mathias (2000): The premium risk problem in health insurance, in: Journal of Contextual Economics – Schmollers Jahrbuch, vol. 120, iss. 4, 567-586, [online] https://doi.org/10.3790/schm.120.4.567

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The premium risk problem in health insurance

Kifmann, Mathias

Journal of Contextual Economics – Schmollers Jahrbuch, Vol. 120 (2000), Iss. 4 : pp. 567–586

4 Citations (CrossRef)

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Article Details

Kifmann, Mathias

Cited By

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    https://doi.org/10.1111/jori.12064 [Citations: 9]
  2. Efficient Transfer of Aging Provisions in Private Health Insurance

    Meier, Volker

    Journal of Economics, Vol. 84 (2005), Iss. 3 P.249

    https://doi.org/10.1007/s00712-005-0121-2 [Citations: 3]
  3. Risk-Adjustment in Long-Term Health Insurance Contracts in Germany

    Eekhoff, Johann | Jankowski, Markus | Zimmermann, Anne

    The 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]
  4. 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.