Article ID | Journal | Published Year | Pages | File Type |
---|---|---|---|---|
7338180 | Social Science & Medicine | 2013 | 9 Pages |
Abstract
⺠Improved risk equalization is important to reduce incentives for risk selection by health insurers. ⺠We describe insurers' financial incentives for risk selection in relation to recent improvements in Dutch risk equalization. ⺠We estimated lifetime costs and benefits for Dutch health insurers for smoking, obese and healthy living individuals. ⺠Insurers can expect different health care costs and risk equalization revenues for healthy living, smoking and obese people. ⺠Healthy living individuals are only slightly more financially attractive for insurers than smoking and obese individuals.
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Authors
Tim A. Kanters, Werner B.F. Brouwer, René C.J.A. van Vliet, Pieter H.M. van Baal, Johan J. Polder,