Innovation and risk selection in deregulated social health insurance.

Abstract:

:One important motive for deregulating social health insurance is to encourage product innovation. For the first time, the cost savings achieved by non-US managed care plans that are attributable to product innovation are estimated, using a novel approach. Panel data from a major Swiss health insurer permits to infer health status, which can be used to predict health care expenditure. The econometric evidence suggests that the managed care plans benefit from risk selection effects. In the case of the health maintenance organization (HMO) plan, however, the pure innovation effect may account for as much as two-thirds of the cost advantage.

journal_name

J Health Econ

authors

Lehmann H,Zweifel P

doi

10.1016/j.jhealeco.2003.12.007

subject

Has Abstract

pub_date

2004-09-01 00:00:00

pages

997-1012

issue

5

eissn

0167-6296

issn

1879-1646

pii

S0167-6296(04)00027-X

journal_volume

23

pub_type

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