Supplementary health insurance as a tool for risk-selection in mandatory basic health insurance markets

@article{citeulike:2730062, abstract = {As the share of supplementary health insurance (SI) in health care finance is likely to grow, SI may become an increasingly attractive tool for risk-selection in basic health insurance (BI). In this paper, we develop a conceptual framework to assess the probability that insurers will use SI for favourable risk-selection in BI. We apply our framework to five countries in which risk-selection via SI is feasible: Belgium, Germany, Israel, the Netherlands, and Switzerland. For each country, we review the available evidence of SI being used as selection device. We find that the probability that SI is and will be used for risk-selection substantially varies across countries. Finally, we discuss several strategies for policy makers to reduce the chance that SI will be used for risk-selection in BI markets.}, author = {Paolucci, Francesco and Schut, E. R. I. K. and Beck, Konstantin and Gre?, Stefan and Van and Zmora, I. R. I. T. }, citeulike-article-id = {2730062}, journal = {Health Economics, Policy and Law}, keywords = {health, insurance, mandatory, risk-selection, supplementary}, number = {02}, pages = {173--192}, posted-at = {2008-04-28 14:59:23}, priority = {2}, title = {Supplementary health insurance as a tool for risk-selection in mandatory basic health insurance markets}, url = {http://journals.cambridge.org/action/displayAbstract?fromPage=online\&aid=1164744}, volume = {2}, year = {2007} }

TY - JOUR ID - citeulike:2730062 L3 - citeulike-article-id:2730062 TI - Supplementary health insurance as a tool for risk-selection in mandatory basic health insurance markets JF - Health Economics, Policy and Law VL - 2 IS - 02 SP - 173 EP - 192 N2 - As the share of supplementary health insurance (SI) in health care finance is likely to grow, SI may become an increasingly attractive tool for risk-selection in basic health insurance (BI). In this paper, we develop a conceptual framework to assess the probability that insurers will use SI for favourable risk-selection in BI. We apply our framework to five countries in which risk-selection via SI is feasible: Belgium, Germany, Israel, the Netherlands, and Switzerland. For each country, we review the available evidence of SI being used as selection device. We find that the probability that SI is and will be used for risk-selection substantially varies across countries. Finally, we discuss several strategies for policy makers to reduce the chance that SI will be used for risk-selection in BI markets. KW - health KW - insurance KW - mandatory KW - risk-selection KW - supplementary AU - Paolucci, Francesco AU - Schut, ERIK AU - Beck, Konstantin AU - Gre?, Stefan AU - Van AU - Zmora, IRIT PY - 2007//02/ UR - http://journals.cambridge.org/action/displayAbstract?fromPage=online&aid=1164744 ER -