Restrictive Rating and Adverse Selection in Health Insurance PDF Download

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Restrictive Rating and Adverse Selection in Health Insurance

Restrictive Rating and Adverse Selection in Health Insurance PDF Author: Patricia Born
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ISBN:
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Languages : en
Pages : 23

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Book Description
Evidence of adverse selection in insurance markets is well-documented in the literature. Recent healthcare reform in the United States imposed substantial changes to health insurer operations, including rating restrictions. We provide evidence of the presence of adverse selection following the enactment of the Patient Protection and Affordable Care Act of 2010. Using a rich, unique dataset consisting of information on health insurance plans from multiple health insurers, across states for the years 2013-2017, we document a statistically significant correlation between coverage and risk, indicating the presence of adverse selection that varies over time and across the individual and group markets.