Expanding Consumer Choice And Addressing Adverse Selection Concerns In Health Insurance

Author : United States. Congress. Joint Economic Committee
Publisher :
ISBN 13 :
Total Pages : 68 pages
Book Rating : 4.72/5 ( download)

DOWNLOAD NOW!

Download or read book "Expanding Consumer Choice and Addressing 'adverse Selection' Concerns in Health Insurance" written by United States. Congress. Joint Economic Committee and published by . This book was released on 2005 with total page 68 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Author : United States. Congress. Joint Economic Committee
Publisher :
ISBN 13 :
Total Pages : 62 pages
Book Rating : 4.36/5 ( download)

DOWNLOAD NOW!

Download or read book "Expanding Consumer Choice and Addressing 'adverse Selection' Concerns in Health Insurance" written by United States. Congress. Joint Economic Committee and published by . This book was released on 2005 with total page 62 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Author : Institute of Medicine
Publisher : National Academies Press
ISBN 13 : 0309083435
Total Pages : 213 pages
Book Rating : 4.30/5 ( download)

DOWNLOAD NOW!

Download or read book Care Without Coverage written by Institute of Medicine and published by National Academies Press. This book was released on 2002-06-20 with total page 213 pages. Available in PDF, EPUB and Kindle. Book excerpt: Many Americans believe that people who lack health insurance somehow get the care they really need. Care Without Coverage examines the real consequences for adults who lack health insurance. The study presents findings in the areas of prevention and screening, cancer, chronic illness, hospital-based care, and general health status. The committee looked at the consequences of being uninsured for people suffering from cancer, diabetes, HIV infection and AIDS, heart and kidney disease, mental illness, traumatic injuries, and heart attacks. It focused on the roughly 30 million-one in seven-working-age Americans without health insurance. This group does not include the population over 65 that is covered by Medicare or the nearly 10 million children who are uninsured in this country. The main findings of the report are that working-age Americans without health insurance are more likely to receive too little medical care and receive it too late; be sicker and die sooner; and receive poorer care when they are in the hospital, even for acute situations like a motor vehicle crash.

Author : National Academies of Sciences, Engineering, and Medicine
Publisher : National Academies Press
ISBN 13 : 030946921X
Total Pages : 161 pages
Book Rating : 4.10/5 ( download)

DOWNLOAD NOW!

Download or read book Health-Care Utilization as a Proxy in Disability Determination written by National Academies of Sciences, Engineering, and Medicine and published by National Academies Press. This book was released on 2018-04-02 with total page 161 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Social Security Administration (SSA) administers two programs that provide benefits based on disability: the Social Security Disability Insurance (SSDI) program and the Supplemental Security Income (SSI) program. This report analyzes health care utilizations as they relate to impairment severity and SSA's definition of disability. Health Care Utilization as a Proxy in Disability Determination identifies types of utilizations that might be good proxies for "listing-level" severity; that is, what represents an impairment, or combination of impairments, that are severe enough to prevent a person from doing any gainful activity, regardless of age, education, or work experience.

Author : Paolo Belli
Publisher : World Bank Publications
ISBN 13 :
Total Pages : 38 pages
Book Rating : 4./5 ( download)

DOWNLOAD NOW!

Download or read book How Adverse Selection Affects the Health Insurance Market written by Paolo Belli and published by World Bank Publications. This book was released on 2001 with total page 38 pages. Available in PDF, EPUB and Kindle. Book excerpt: There may be a price to pay (in terms of inefficient coverage) if competition among health insurers is encouraged as a way to give patients greater choice and to achieve better control over insurance providers.

Author : Gordon Moore
Publisher : Oxford University Press
ISBN 13 : 0190886137
Total Pages : 265 pages
Book Rating : 4.34/5 ( download)

DOWNLOAD NOW!

Download or read book Choice Matters written by Gordon Moore and published by Oxford University Press. This book was released on 2018 with total page 265 pages. Available in PDF, EPUB and Kindle. Book excerpt: "Choice Matters is the healthcare sector's guide to understanding and delivering the brand of consumer-centered care that is an imperative for the Zocdoc age. Drawing on the authors' diverse backgrounds in medicine, business, and public policy, this practically-oriented resource offers an on-the-ground introduction for clinicians and managers to better understand the differences between healthcare and other consumer-driven markets, what factors are most important for consumers in seeking care providers, how consumers make decisions about healthcare, the system-wide effects of increased consumer choice in healthcare, [and] the important distinction between patients and consumers"--

Author : David M. Cutler
Publisher :
ISBN 13 :
Total Pages : 58 pages
Book Rating : 4.19/5 ( download)

DOWNLOAD NOW!

Download or read book Adverse Selection in Health Insurance written by David M. Cutler and published by . This book was released on 1997 with total page 58 pages. Available in PDF, EPUB and Kindle. Book excerpt: Individual choice over health insurance policies may result in risk-based sorting across plans. Such adverse selection induces three types of losses: efficiency losses from individuals being allocated to the wrong plans; risk sharing losses since premium variability is increased; and losses from insurers distorting their policies to improve their mix of insureds. We discuss the potential for these losses, and present empirical evidence on adverse selection in two groups of employees: Harvard University, and the Group Insurance Commission of Massachusetts (serving state and local employees). In both groups, adverse selection is a significant concern. At Harvard, the University's decision to contribute an equal amount to all insurance plans led to the disappearance of the most generous policy within 3 years. At the GIC, adverse selection has been contained by subsidizing premiums on a proportional basis and managing the most generous policy very tightly. A combination of prospective or retrospective risk adjustment, coupled with reinsurance for high cost cases, seems promising as a way to provide appropriate incentives for enrollees and to reduce losses from adverse selection.

Author : Bridey Heing
Publisher : Enslow Publishing, LLC
ISBN 13 : 1978503873
Total Pages : 232 pages
Book Rating : 4.78/5 ( download)

DOWNLOAD NOW!

Download or read book Critical Perspectives on Health Care written by Bridey Heing and published by Enslow Publishing, LLC. This book was released on 2019-07-15 with total page 232 pages. Available in PDF, EPUB and Kindle. Book excerpt: In the United States, the healthcare debate has swirled for decades as politicians, pundits, and citizens try to find a solution to the ongoing question of how best to meet the public's need for quality medical care at affordable prices. The introduction of new programs over the course of the twentieth and twenty-first centuries set a precedent for minimum levels of care. Despite these programs, millions remain uninsured across the country. This collection of essays will interrogate the debate on healthcare, providing students with a wide-ranging look at the competing ideas, policies, and viewpoints that intersect on this important issue.

Author : Institute of Medicine
Publisher : National Academies Press
ISBN 13 : 0309048273
Total Pages : 381 pages
Book Rating : 4.79/5 ( download)

DOWNLOAD NOW!

Download or read book Employment and Health Benefits written by Institute of Medicine and published by National Academies Press. This book was released on 1993-02-01 with total page 381 pages. Available in PDF, EPUB and Kindle. Book excerpt: The United States is unique among economically advanced nations in its reliance on employers to provide health benefits voluntarily for workers and their families. Although it is well known that this system fails to reach millions of these individuals as well as others who have no connection to the work place, the system has other weaknesses. It also has many advantages. Because most proposals for health care reform assume some continued role for employers, this book makes an important contribution by describing the strength and limitations of the current system of employment-based health benefits. It provides the data and analysis needed to understand the historical, social, and economic dynamics that have shaped present-day arrangements and outlines what might be done to overcome some of the access, value, and equity problems associated with current employer, insurer, and government policies and practices. Health insurance terminology is often perplexing, and this volume defines essential concepts clearly and carefully. Using an array of primary sources, it provides a store of information on who is covered for what services at what costs, on how programs vary by employer size and industry, and on what governments doâ€"and do not doâ€"to oversee employment-based health programs. A case study adapted from real organizations' experiences illustrates some of the practical challenges in designing, managing, and revising benefit programs. The sometimes unintended and unwanted consequences of employer practices for workers and health care providers are explored. Understanding the concepts of risk, biased risk selection, and risk segmentation is fundamental to sound health care reform. This volume thoroughly examines these key concepts and how they complicate efforts to achieve efficiency and equity in health coverage and health care. With health care reform at the forefront of public attention, this volume will be important to policymakers and regulators, employee benefit managers and other executives, trade associations, and decisionmakers in the health insurance industry, as well as analysts, researchers, and students of health policy.

Author : Christopher T. Erb
Publisher : Routledge
ISBN 13 : 135152626X
Total Pages : 334 pages
Book Rating : 4.65/5 ( download)

DOWNLOAD NOW!

Download or read book Consumer Choice written by Christopher T. Erb and published by Routledge. This book was released on 2017-12-02 with total page 334 pages. Available in PDF, EPUB and Kindle. Book excerpt: "The United States health care system is unique among those of other developed economies--most significantly because health care is not a legal right in the United States. Instead, it is considered an employee benefit and a privilege, unless one is over age 65 or of low income. The United States is the only developed country without some form of universal health care.Contributors to this volume represent an interdisciplinary group of academics, practitioners, and service delivery providers. The volume begins with a general examination of the politics of health and social welfare in the United States. It then focuses on the importance and role of consumers in the U.S. economy, and dilemmas associated with promoting consumer choice. It explores policy issues and challenges in three specific areas: controlling health care costs and protecting choice with respect to health care, the major challenges to informed choice in health care, and barriers to effective health care service delivery. Contributors explore changes and reforms that have been introduced within public and privately financed systems over the past ten years.Consumer Choice examines in a timely and efficient manner critical social and health policy issues--nationally and internationally--and the major challenges that face informed choice in health care and social policy. Policymakers, health care officials, and medical personnel in the United States and other countries will find this volume highly informative."