Article ID Journal Published Year Pages File Type
7338180 Social Science & Medicine 2013 9 Pages PDF
Abstract
► Improved risk equalization is important to reduce incentives for risk selection by health insurers. ► We describe insurers' financial incentives for risk selection in relation to recent improvements in Dutch risk equalization. ► We estimated lifetime costs and benefits for Dutch health insurers for smoking, obese and healthy living individuals. ► Insurers can expect different health care costs and risk equalization revenues for healthy living, smoking and obese people. ► Healthy living individuals are only slightly more financially attractive for insurers than smoking and obese individuals.
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Health Sciences Medicine and Dentistry Public Health and Health Policy
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