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Inquiry J Health Car · Jan 2009
Risk selection and risk adjustment: improving insurance in the individual and small group markets.
- Katherine Baicker and William H Dow.
- Department of Health Policy and Management, Harvard School of Public Health, 677 Huntington Ave., Boston, MA 02115, USA. kbaicker@hsph.harvard.edu
- Inquiry J Health Car. 2009 Jan 1; 46 (2): 215-28.
AbstractInsurance market reforms face the key challenge of addressing the threat that risk selection poses to the availability, of stable, high-value insurance policies that provide long-term risk protection. Many of the strategies in use today fail to address this breakdown in risk pooling, and some even exacerbate it. Flexible risk adjustment schemes are a promising avenue for promoting market stability and limiting insurer cream-skimming, potentially providing greater benefits at lower cost. Reforms intended to increase insurance coverage and the value of care delivered will be much more effective if implemented in conjunction with policies that address these fundamental selection issues.
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