Selection Stories: Understanding Movement Across Health Plans

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Selection Stories: Understanding Movement Across Health Plans

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Title: Selection Stories: Understanding Movement Across Health Plans
Author: Zeckhauser, Richard Jay; Cutler, David M.; Lincoln, Bryan

Note: Order does not necessarily reflect citation order of authors.

Citation: Cutler, David, Bryan Lincoln, and Richard Zeckhauser. 2009. Selection Stories: Understanding Movement Across Health Plans. HKS Faculty Research Working Paper Series RWP09-022, John F. Kennedy School of Government, Harvard University.
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Abstract: This study assesses the factors influencing the movement of people across health plans. We distinguish three types of cost-related transitions: adverse selection, the movement of the less healthy to more generous plans; adverse retention, the tendency for people to stay where they are when they get sick; and aging in place, where lack of all movement makes plans with initially older enrollees increase in cost over time. Using data from the Group Insurance Commission in Massachusetts, we show that aging in place and adverse selection are both quantitatively important. Each can materially impact equilibrium enrollments, especially when premiums to enrollees reflect these costs.
Published Version: http://web.hks.harvard.edu/publications/workingpapers/citation.aspx?PubId=6717
Other Sources: http://www.nber.org/papers/w15164
Terms of Use: This article is made available under the terms and conditions applicable to Other Posted Material, as set forth at http://nrs.harvard.edu/urn-3:HUL.InstRepos:dash.current.terms-of-use#LAA
Citable link to this page: http://nrs.harvard.edu/urn-3:HUL.InstRepos:4449102
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